An underwriter has realized that most of the potential insureds in the poor section of town will not qualify for homeowners insurance because of below-standard roofing. This disturbs her and she is using an ethical dilemma decision-making flow chart to decide whether there is an ethical obligation to underwrite their properties anyway. If she is concerned with the perspective of the potential insureds, then she is at which step of the flow chart? Explain.

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In the context of the ethical dilemma decisionmaking flow chart if the underwriter is concerned with ... View the full answer