Your new job is as a bank loan officer; your partner’s job is as a construction engineer specializing in housing developments. A young couple just like you apply for a mortgage in hopes of buying a house in one of the subdivisions that your partner helped build. They don’t qualify for a standard mortgage or even a standard variable rate mortgage, but they would qualify for a “subprime” package. You worry about them because you’ve discovered that there are a lot of hidden costs in homeownership, which have made your financial life stressful. But you need a big year-end bonus to cover those costs, and it will be based on the number and value of the mortgages you write. Turning them down would reduce your bonus and make your shaky finances even shakier. What would you do? Would ethical considerations enter into your decision making? Should they? Why or why not? What will you say when you explain your decision to your partner?