Case Study: You are an upright bank manager. A drought-stricken small farmer with an unpaid crop loan of Rs 50,000 approaches you with tears, stating that his daughter is critically ill and requires immediate hospitalization. Bank regulations strictly mandate freezing further credit and issuing asset seizure notices for defaulting accounts. Approving an emergency top-up loan violates lending guidelines and may lead to audit penalties on you. (a) Analyze the conflict between rigid adherence to banking rules and moral compassion. (b) What solutions can you provide within or outside institutional channels?