Fifty-three hundred people is not a few rogue employees; it's the population of a small town. It's the undergraduate class at a mid-sized university. That number signals something larger than an isolated event. CEO Stumpf claims that the misconduct of the minority does not reflect the overall culture of Wells Fargo, but as Forbes points out, "Leaders at Wells Fargo seemed to actively create a set of norms ... that not only accepted the unethical behavior, but may have even found ways to coach and reinforce it."