A bank vice president sits on the planning review commission. He participated in the discussions and voted for the approval for a developer to rehabilitate the historic section of the city's downtown. It's public knowledge that the commission member is a senior staff member of the bank but the large loan that the bank gave to the developer was not. Advice is given on how to manage conflicts of interest when they arise by using the 3-D strategy --- discern (does one exist?); disclose (make it public knowledge); and disengage (disclosure doesn't always solve it, so it might be better to entirely separate from the issue).