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At senior official levels, one sometimes gets into positions where choices become difficult because they could violate one’s personal moral or religious code. For instance, refusal to act in some ...

Vikki Velasquez is a researcher and writer who has managed, coordinated, and directed various community and nonprofit organizations. She has conducted in-depth research on social and economic issues ...

Investopedia contributors come from a range of backgrounds, and over 25 years there have been thousands of expert writers and editors who have contributed. Oscar Wong / Getty Images Mortgage escrow ...