OUTLINE OF SOME MAJOR POINTS

Teleological theories - end or goal based; the determination of moral action is based on the consequences of actions.

Deontological - duty-based; the determination of moral action is based on the intent of the agent in performing those actions, but NOT the intent of the agent to produce good or pleasurable results.  The notion of intent has to do with intent to follow the requirements of absolutely binding moral law EVEN when the consequences of doing so result in "bad" or unpleasant consequences.

Virtue Theory - teleological theory; the good life as the focal point
    Aristotle

Deontology - deontological theory/duty-based; the right as the focal point
    Kant

Utilitarianism - teleological ethical theory; pleasure/happiness as the focal point
    Mill

Nietzschean Critique of Traditional Ethical Theories - theories of ethics such as those listed above are ethics of weakness; their foundation is in resentment; hatred and cruelty characterize them.
    Nietzsche

Feminist Critique and Development of Alternative Views - traditional ethical theories are gender-biased.  Concepts of rationality are skewed.  Trust is nearly absent from them; an economic model that does not fit women's experiences (such as that found in Hobbes, Locke, and others) is not all there is to ethical theory.  Seeking a more encompassing view of ethical theory that will be human-centered.
    Annette Baier and Virginia Held

There are four bank employees.  They are responsible for millions of dollars a day of the bank's and the bank customer's money.  The bank employees are W, X, Y, and Z.

W never considers stealing any of the money.  W is not wealthy and could do many things with it; W is not stupid, and so W knows that it is at least possible to attempt to steal the money, but W never seriously considers it simply because it is part of W's way of life, part of W's character, to be honest.

X considers stealing the money and almost drools over it every day.  But X is afraid of the consequences attended with stealing the money.  X's main concern is not being caught; the main concern is suffering from a guilty conscience.  So even though X would love to steal the money and thinks of it all the time, X never steals the money.

Y considers stealing the money and, through sheer act of will and a consideration of the fact that it would be impossible to will universally that everyone could or should steal the money of others, does not steal it.  Y must constantly remind himself that it is his moral obligation to respect the rights of others, not to perform any action that should not be performed by any rational being.  Y does not steal the money, but REALLY, REALLY wants to.

Z considers stealing the money, figures out a way to do it with little chance of being caught, and happily embezzles millions of dollars.

WHICH OF THESE PEOPLE IS THE MOST MORALLY GOOD?  WHY?