WELCOME to March, which is National Ethics Month, as sponsored by the CPCU Society and many other fine insurance organizations. In honor of this month, I have a question for you: What's the difference between ethics and morality?

Some of you may be thinking, "Trick question! They are just different words for the same thing. Ethics is all about making moral choices and doing the right thing!"

As Yoda might say, "And that is why you fail." Ethics and morality are not the same. In essence, morality is about choosing right versus wrong, such as the question of whether to lie, cheat and steal or to be honest. Ethics is not about doing the right thing, but deciding which right thing to do. Instead of right versus wrong, it's about right versus right (not to be confused with politics, which is right versus left).

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