While they have many advantages, ethics codes such as that used by the State of Connecticut Insurance Department that rely on a detailed list of specific activities in which employees are not allowed to engage have at least one potential problem. The potential problem with this approach is that it

a$.$ allows the drafter to focus on the most probable types of ethical dilemmas.

b$.$ allows the drafter to outline specific instructions as to what behavior is unacceptable.

c$.$ is so comprehensive as to make it difficult to determine what is allowed.

d$.$ leaves "wiggle room," because certain unethical behaviors may not be specifically addressed, which may imply that they are therefore allowed.