Thank you so much for your insights, Jane.  Your reaction was my initial thought, but I got some differing opinions elsewhere and thought maybe I was missing something.

I have always said that a person's ethics can be measured in the small stuff.  It is unlikely that most people are going to do anything drastic, commit a violent crime, steal a huge sum.  But there are a lot of folks that won't return money that is overpaid, will "forget" to return something they borrowed, will be cruel to those that are considered "inferior."  These are the tough calls to make in my mind, the decisions that matter.

I hope you are well dear friend.  I miss you all like the desserts miss the rain.