“Four approaches that business owners commonly use to analyze ethical dilemmas are the utilitarian approach, which focuses on taking the action that will result in the greatest good for the greatest number of people; the moral rights approach, which is concerned with moral principles, regardless of the consequences; the universalist approach, in which one determines whether a particular action should apply to all people under all circumstances and whether you they would be willing to have someone else apply the rule to them; and the cost-benefit approach, which balances the costs and benefits of taking versus not taking a particular action.”