frank santino is the accounting manager at the ford and toyota dealership in petersburg, texas, a town with a population of 50,000. at a friday evening barbecue, jose martinez, a close friend, mentions that he is planning to sell some land to louis johnson for $20,000 and will allow johnson to pay him over a five-year period. santino, who happened to be reviewing the delinquent accounts at the dealership earlier in the day, knows that johnson has a poor payment history and that his car may have to be repossessed. martinez asks santino what he thinks about the sale. what ethical issue is involved here? if you were santino, would you warn martinez about johnsons credit record?