In fact, this process attempts to blame unethical behavior on "bad apples" rather than an entire profession. It does not improve the results, however. Unethical behavior permeates society on all levels regardless of the particular profession. When a profession such as banking or real estate or auto manufacturing or insurance or engineering go out of their way to "teach ethics" to the members of their profession or association then I believe it is an attempt to deny culpability in their own unethical behaviors. My belief is ethics is not taught professionally, rather, it is merely defined in terms of the limits of professional responsibility, which make it possible for sociopaths to navigate the tightrope. This way unethical people learn how to deny responsibility for a lack of professional ethics, when in fact they have a lack of ethics altogether, which can't be repaired by certifications. The fact is that the certifications will have much less impact on improving an individual's personal ethics at their current stage of personal development. The true solution is to stop rewarding unethical behavior in our society, plain and simple. People will behave according to their incentives, whether or not they actually have a social conscience or even a soul, or the professional certifications, thereof.