According to the new york times, during the mortgage crisis real estate brokers had an incentive to steer borrowers to higher-cost loans. nonetheless, "the national association of hispanic real estate professionals [nhrep] released a ‘code of trust’ for its members that calls on brokers and agents to look out for their clients’ interests and not steer them into higher-cost loans when they qualify for more conventional financing. it recommends disclosures be offered in spanish when possible, but does not require translation." pedro lopez, a real estate broker, has decided that he has a duty to look out for the interests of his most disadvantaged clients and therefore will follow the nhrep code of trust. pedro’s decision-making most closely reflects what ethical theory?