When i refer to integrity, i have something very specific in mind. integrity, as i will use the term, requires three steps: discerning what is right and what is wrong; acting on what you have discerned, even at personal cost; and saying openly that you are acting on your understanding of right and wrong. the first criterion captures the idea that integrity requires a degree of moral reflectiveness. the second brings in the ideal of a person of integrity as steadfast, a quality that includes keeping one’s commitments. the third reminds us that a person of integrity can be trusted.

source: carter, stephen l. “the insufficiency of honesty.” atlantic monthly feb. 1996: 74+. print.

based on the passage above, which of the following reflects the correct use of quotation marks?

“when i refer to integrity,” i have something specific in mind, states carter.
carter states that the first criterion states that integrity requires a degree of “moral reflectiveness.”
“acting on what you have discerned is one of the “three steps” of carter’s definition of integrity.”
according to carter, integrity “includes keeping one’s commitments.”