You work for a mortgage lender that really encourages you to sell ARM loans to your clients. In fact, if 75 percent of the loans you close each month are ARM loans, you receive a very nice bonus. You have a customer on the phone that you don’t feel understands ARM loans very well despite all your efforts. He tells you repeatedly that he would be better off with a 30-year fixed rate mortgage. You proceed to take his application and send all the required documentation to him for a 5/1 ARM. He signs the documents and returns them to you. You process his loan and close it 30 days later. Do you feel you ethically assisted your borrower with this loan? What could you have done differently?