Albert is having a face-to-face meeting with clients. Lunch is served at the table. How should Albert show that he understands professional conduct? A. He should make a joke about the food being free. B. He should decline to eat in front of clients. C. He should let the clients eat first and then have his lunch. D. He should wait for everyone to be served before he starts eating.

cognitive overload: having a lot on your mind impairs decision-making and tends to result in the simplest, but not necessarily best, option being selected.

empathy gaps: overlooking how you might feel in a different situation can result in unnecessary purchases, such as overbuying when shopping for food on an empty stomach.

optimism and overconfidence: wearing rose-tinted glasses and having unrealistic expectations about the future can affect money management and leave you unprepared for a change in circumstance.

instant gratification: seeking instant gratification drives impulsive spending and can undermine long-term planning and savings.

harmful habits: automatic or mindless behaviour can amplify a poor financial decision as it becomes a recurring event.

social norms: we are heavily influenced by the actions of others; while this can be in certain circumstances, it also contributes to the pressure to keep up with the joneses through conspicuous consumption.

answer; /// i believe the answer is (insider trading)

it's obviously d. it could be c though.