You are having lunch one day, and you overhear a group of physicians talking. One of them says, $"$I$\text{'}$m not exactly sure what to do about billing my patients. I$\text{'}$m thinking that I should bill people who don't have insurance less than I bill people who do have insurance. There's nothing illegal about that, but I$\text{'}$m not sure how that behavior would fit in with the Hippocratic Oath." This is an example of behavior governed by

Janet applied for a job as a teller at two local banks. She got an offer from one bank, and she accepted that offer, saying she would start work in two weeks. But three days later, she got an offer from the second bank with a higher salary than the first bank was offering. Janet doesn't know what to do$.$ Does she have to work for the first bank, or could she work for the second bank, instead? What is this an example of$?$

An ethical dilemma

A free choice situation

A forced behavior

A legal dilemma