Discreditable.

Presents the ethicist column where readers ask ethical questions. Question on a husband for works for a store that urges sales associates to promote credit cards with an annual interest rate of 21 percent; How the husband feels it is unethical to push these card on poorer people while his wife things he is making assumptions about people's best interests; Suggestion from the ethicist that the husband should simply point out the features of the credit card and let the consumers make their own choice; Second question which is about one person using another to get out of community service.