Upon his release from prison, Michael Clott, convicted of securities fraud and racketeering, retained a law firm partnership, Ross & Hardies, to provide Clott's company, Capital Financial Group, Inc., a legal framework to do financial, securities and banking business in Maryland. Steven Kersner was the Ross and Hardies partner primarily assigned to Clott's account. Clott created the 7.5% program, a mortgage program designed to provide lines of credit to minority home owners. The 7.5% program was a fraud by which Clott stole money that was borrowed by the homewoners that particpated in the program. Kersner helped perpetuate the fraud by assuring homeowners that the program was legitimate, aiding Clott is tranferring borrowed funds to bank accounts, opening empty accounts in the name of homeowners to deceive them that the lines of crdit had been opened for them, preparing false statements to make it appear that the homeowners were no longer liable on their mortgages, telling lenders with questions to contact Kersner instead of the homeowners, and forging and altering checks. Did Kersner's actions make Ross and Hardie liable to the homeowners? If so, under what rules?