Quality and reliability problems are found everywhere. They are found in every process, product and service, and their problems occur all the time. The goal of any process, product or service is to increase its reliability and minimize risks. However, the collapse of Lehman Brothers was the cause of reliability problems that had a huge impact on the global economy when they filed for Chapter 11 bankruptcy on September 15, 2008, making it the largest bankruptcy in the United States in which Lehman Brothers is incurred. a huge debt, for a total of over 600 billion dollars. The reason for the collapse of Lehman Brothers was the real estate market. However, Lehman Brothers' real problems were within its system, and mainly concerned decision makers and their method of assessing risk. What really toppled this investment bank was the collapse of the real estate market. According to the BBC documentary “The Fall of Lehman Brothers,” the Clinton and Bush administrations supported home ownership by making it easier to get mortgages. Especially in the early 2000s, home prices skyrocketed and gave rise to “subprime” mortgages. With these mortgages, interest rates were reduced and the real estate market was fueled. These mortgages were known as NINJA mortgages, where the mortgage holders had no income, jobs or assets, and these mortgages were made solely based on home prices. The way Lehman Brothers got involved in the NINJA mortgages was this, as described by Oxford University doctoral student Horatio Boedihardjo: “On a sunny morning in 2001, an investment plan landed on the desk of Dick Fuld, the then CEO by Lehman Brothers. The document, compiled by a team of graduate students in mathematics and physics, included a calculation… in the middle of the paper… many similarities with all the past cases of Enron, Worldcom and Parmalat.” The reduction in government regulation during this housing market boom has allowed financial companies to be irresponsible. Having a decision maker like Fuld, driven by his own ambitions and ego, leading a company is not healthy. A decision maker must be rational and be able to solicit an expert's opinion if he or she is unfamiliar with a topic. Additionally, the decision maker must be open to criticism to see potential blind spots in a decision. Lehman Brothers was a complex system that was part of a larger, more complicated system. It is unwise for one person to make decisions that could have a huge impact on a global scale. Lehman Brothers is a great example of a bad decision maker relying on a risk management tool to make decisions for a complex system.