1. Advertisers’ Deception
The informing or persuasive character of the advertisement.
Whether it creates irrational or injurious desires; and whether the advertisement's content is truthful or tends to mislead.

2. Consumer Privacy
Advances in technology have created the potential for serious harm to consumers' privacy.
Financial institutions, credit bureaus, etc., maintain detailed files on consumers, including information about their economic activity and personal information (such as marriage, employment, addresses, and other information).

3. Though these files are used as an important deciding factor in granting loans, credit cards, and jobs, a recent study found errors in 43% of credit reports.

4. Psychological privacy
The individual's obvious right to privacy, both physical and psychological, is important.
Psychological privacy is privacy with respect to a person's inner life.
This includes the person's thoughts and plans, personal beliefs and values, feelings, and wants.

5. These inner aspects of a person are so intimately connected with the person that to invade them is almost an invasion of the very person.
Physical privacy is privacy with respect to a person's physical activities.

6. Privacy
It must be balanced, however, with the rights and needs of others.
Banks must know something about the credit history of those to whom they are lending money, for example.

7. Since consumers benefit from the banking system, they also benefit from their right to privacy being balanced against the banks' right to know their personal information.

8. Balancing the Factors
To balance these two factors, the following factors are crucial:
Relevance - Databases should contain only information directly relevant to the purpose for which it is collected.
Informing - Consumers should be informed that information is being collected and told what the purpose of its collection is.

9. Consent - Businesses should collect information only if consumers consent to provide it.
Accuracy - Agencies must ensure that the information is up to date and otherwise accurate, quickly correcting any errors.

10. Purpose - The purpose for which the information is collected must be legitimate, resulting in benefits generally enjoyed by those who are having the information gathered from them.
Recipients and Security - Agencies must ensure that the information is secure and not available to un-intended users or sold to others without the individual's consent.

11. Legislation for Advertising
where the morally acceptable limits of advertising lie?
Legislations: In Britain, Indecent Advertising Act (1889) minimal standard of decency must be observed by advertising & mis-description became an offence.

12. Legislation for Advertising
The Sale of Goods Act (1894), goods to be of “merchantable quality”, means fit for the purpose for which they are intended.
Trade Description Act (1968) ensure the accuracy of descriptive labels on goods & services.

13. The Ethics of Job Discrimination

14. Bill Clintons Views
Clinton calls for the U.S. to preserve its affirmative action programs.
He outlines many in-equities that still remain in American business, and argues that affirmative action is still necessary.

15. Affirmative action Professor of Philosophy and Law, NYU School of Law.
Affirmative action - Positive steps taken to hire persons from groups previously and presently discriminated against.