Factors that impede the development of an ethical person Drawbacks/Challenges of having ethics Conflicting Moral Perspectives Contrasting Values How Difficult is it for a Person with Weak Aptitude to Work as a Civil Servant? Ethical dilemma Ethical Dilemmas faced by Civil Servants Ethical concerns and dilemmas in Government Institutions Ethical concerns and dilemmas in Private Institutions Ethical concerns common to both Government and Private Institutions Approaches to resolve Ethical Dilemmas CONSCIENCE AS SOURCES OF ETHICAL GUIDANCE