What ethical analysis applies to Sally's decision not to refund the premium difference?

The choice of rules-based analysis to assess Sally's decision not to refund the premium difference is correct because this approach focuses on adherence to established guidelines, policies, and standards within an organization or industry. In this context, rules-based analysis involves evaluating actions based on predetermined rules or regulatory requirements.

Sally's decision would likely have been influenced by specific company policies regarding premium refunds, which are designed to ensure consistency and fairness in handling such matters. By following these rules, Sally would be maintaining the integrity of the company’s established procedures.

This analysis contrasts with the other types of ethical frameworks. Utilitarian analysis would concentrate on the consequences of her decision for the greatest number of people, often weighing the overall benefits and harms. Principle-based analysis emphasizes adherence to fundamental ethical principles, such as honesty and integrity, which may not directly relate to specific rules set forth by the organization. Consequential analysis would examine the outcomes of her decision in detail, focusing on the implications rather than the adherence to rules that govern her actions.

Overall, a rules-based analysis underscores the importance of compliance with established guidelines, making it the most suitable framework for evaluating Sally's decision in this specific scenario.