-What factors determine an individual’s ethics. For you, which factor has been the most significant?

Individual's Cultural/Familys Ethics.  Individuals Religion. Individuals Experiences. And Societal pressures. The Factor that has contributed most to my morals is Religous Background and Societal Pressure.

Explanation:

An individuals own ethics is largely founded upon what they are taught to value. This foundation begins at a young age, but is subject to change over time and experience. The first foundation of ethics is what your family values or what you are are taught to value. The second factor is Religion or world view. Everyone has a god or God all religions though will have a moral law. Societal pressure or what society thinks is ethically Just will pressure ones own ethics.

answerbland allison silver purchase act);

consumer credit. an advantage is that it allows consumers to afford expensive goods and services now, increasing their standard of living. however, a disadvantage is that it creates a trap for debt, if people do not have self control, they may see themselves filing personal bankruptcy.