You recently started at XYZ bank manager in Sydney and have noted that credit card fees have increased by $10 annually. However, customers have only been sent an email notification of this. You view this as unethical, and several customers have complained to you personally that they did not note the email and no other mean of communication such as text message or letters to clients' home were deployed. You are concerned that the company's action is damaging its reputation and may result in scrutiny from regulators. What tools and strategies will you use to present your point of view to your colleagues as well as the top management? Use ethical theories to inform your analysis.