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You should not have to ask anyone about ethics. Either you have them or you do not.
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This is not correct. Ethics are nothing more than a set of principles. What is/is not ethical is determined by a value system that society imposes. Sometimes, the society is in the form of a professional organization (ABA, AMA, etc...) To determine what is ethical, one may very well have to ask another person. A lawyer for instance, may have to seek the advice of whether a contemplated action is ethical. Once he is armed with the ethical considerations, that is when morals kick in...

Morals on the other hand, come from within. The question is whether a person has the moral character to conform to the ethical standards that society imposes. Whether somebody has morals or not - that is the question that cannot be asked of somebody else. One must answer that question for himself.

The difference between ethics an morals is not semantic..