You are working in the branch of major bank that has a very steady flow of lower to middle income customers. Your role is to sell investment products to these people who are referred to you by the bank customer service staff. You have recently had a third child and your partner has dropped out the work force to care for the children. Unfortunately, due to global conditions interest rates have started to rise sharply and the rates on your mortgage have increased by 2.0% pa. Your financial situation is now under significant pressure and rates are expected to go up again. The product you sell is reasonable but you have heard that a number of clients are suffering losses. The product has a large bonus for each sale as well as another bonus if a sales target is met. The bonus could be around 30% of your salary and make a large difference to your deteriorating financial situation.

1. Would you sell the product? Why? If yes, is this ethical behaviour from the clients' perspective. If not, is it ethical behaviour toward your employer and the shareholders?

2. If you had no mortgage, would this change any of your answers? Why?