Which scenario best represents a mores violation?

Multiple Choice

Addressing a business partner by their first name in a country where appropriate titles and last names are used.

Wearing casual clothes to a meeting in a country where the dress code is very formal.

Failing to shake hands in a country where shaking hands is a sign of respect.

Showing up late to a meeting in a country where time is equivalent to money.

$$Borrowing$$ money from the company retirement fund.