Morals can best be defined as:

The concept of morals is closely tied to cultural values and norms, making the option focusing on these aspects the most accurate definition. Morals are essentially the principles and standards of behavior that are determined by the collective beliefs and values of a society or culture. They help shape our understanding of what is deemed right or wrong within that community.

Cultural values and norms are essential in forming moral beliefs, as they provide the context in which individuals learn what is acceptable behavior. Over time, these guidelines become internalized, influencing decisions and actions in various situations, especially in contexts like assisted living, where ethical considerations are significant.

The other options focus on different aspects. Laws established by the state are more about legal obligations rather than personal or cultural morality. Although personal experiences may inform an individual's morals, they do not encompass the broader social context that shapes moral understanding. Actions taken during ethical dilemmas pertain more to specific situations rather than the foundational concepts of morality itself. Thus, the option that emphasizes the role of cultural values and norms is the most fitting definition of morals.