Clearwater Claims Services is an independent claims adjusting firm. The firm has an experienced, long-term staff and a reputation for excellent claims handling. One of the firm's major insurer clients has recently been acquired by another insurer and the parent company has a policy of not using outside adjusting firms. This has resulted in a significant decrease in business for Clearwater. While the firm's management team is confident that they will be able to develop new clients and restore the firm's flow of business, in the interim they have more adjusters on staff than they can keep busy. One alternative would be to lay off surplus staff, but many of these employees have families and require a paycheck. Another option would be to keep the surplus adjusters on staff and incur the expense of their salaries in the interim period in order to retain them. Which one of the following types of ethical conflicts does this situation most clearly represent? Select one: A. Truth versus loyalty B. Justice versus mercy C. Long-term versus short-term D. Individual versus community