A mortgage agent is arranging a private mortgage for her client, and the agent's brother will be the lender. Which of the following statements best describes this scenario?
a) The arrangement is ethical because it's a private mortgage.
b) The arrangement is unethical because it's a private mortgage.
c) The arrangement is ethical because the agent's brother is the lender.
d) The arrangement is unethical because the agent's brother is the lender.