The speaker expresses regret over past associations with a man, acknowledging the involvement of top lawyers and enforcement agencies like the SEC and DOJ. They emphasize that, with current knowledge, actions would have been different. Despite the unfortunate situation, the speaker shows deep respect for the women involved, while clarifying that they are not liable for the actions of an individual.

What does the speaker imply about liability in relation to individual actions?

What is the overall tone of the speaker when discussing the situation?