Some good people do bad things because they are pressured into it. I known people and have heard things about good and nice people who are pressured into doing bad things when they don't want too. Hope this helps! :)
When it comes to unethical behavior, good people don’t tend to go right off the deep end like Bernie Madoff or Kenneth Lay. Rather, the mind plays tricks on them, pushing them down the slippery slope of questionable behavior.
The present paticiple of the verb "work" is "are working". Because the present is when you are doing something now and so, "We <u>are working</u> on a financial plan" you are doing it in the present right now. Hope this helped! :P