为什么不是misconduct

问题如下：

Christina Ng, preparing for her Level I CFA exam, encountered financial difficulties after prioritizing unexpected wedding expenses over a student loan, leading to a default. A microfinance institution then cleared her educational loan and further provided assistance for her parents’ medical expenses. Subsequently, her parents' deteriorating health forced Ng to take prolonged leave from work, resulting in her termination and default on the second loan, culminating in personal bankruptcy. Are these events likely to constitute a breach of Standard I(D)–Misconduct?

选项：

A.Unlikely to constitute misconduct.

B.Likely a violation due to the first loan default.

C.Likely a violation due to the second loan default.

解释：

Option A is correct. Despite Ng's financial struggles stemming from prioritizing her wedding over education loan repayment and leading to two defaults and bankruptcy, these events, stemming from personal hardships and not involving deceit or fraud, are unlikely to be seen as a violation of Standard I(D)–Misconduct.