Ethics is the belief system of a group of people (or even that of a time period). They can change, just as values change (values being the beliefs of an individual). Morals, on the other hand, are set in stone. Morals are those things that do not change from person to person (with the rare exception of a psychologically disturbed human). Things such as 'ending life' and 'lying' go against this set moral code. Once you get to complicated situations, though, these morals are buried under values, ethics, circumstances, etc. If you ask me who sets this moral code that is consistently found in all people, me, being a strong Catholic, would reply that God did.