Wells Fargo is famous for its culture of cross-selling products to customersroutinely asking, say, a checking-account holder if she would like to take out a credit card. Wells Fargo Bank employees-some 5,300 of them, at leastcreated fake accounts and applied for credit cards in their customers' names without the customers' knowledge. The employees were motivated to open the unauthorized accounts by compensation policies that rewarded them for opening new accounts. Many current and former employees later told federal regulators they had felt extreme pressure to open as many accounts as possible.

This is an example of:

A) conflict of interest

B) rationalization

C) incentive gaming

D) moral muteness