Do you know how to handle financial matters in an ethical manner? For example, should you tip for lousy service? How closely should you honor a loved one's last wishes? What should you do if the bank makes an error in your favor?

Here are ten real-life financial quandaries readers asked Knight Kiplinger, our editor in chief, which he answered in his Money & Ethics column. Put your moral instincts to the test and see how you measure up: