According to Shover and Hochstetler

According to Shover and Hochstetler,

A) When opportunity for white-collar crime is present, all rational individuals will act on it.
B) Whether one acts on opportunity for white-collar crime depends on the religiosity of the person to whom the opportunity is presented.
C) Whether one acts on opportunity for white-collar crime depends on the criminal predisposition and internal restraints of the person to whom the opportunity is presented.
D) Whether one acts on opportunity for white-collar crime depends on the ability to neutralize the guilt.