OK, I'll take a shot at this. To understand where I'm coming from to begin with, I think that morality is nearly universal--that is, it doesn't vary much by which culture or group you belong to--and derives principally from human behavior and biology (so not exactly a "higher power"). I also tend to approach ethical issues from a deontological perspective rather than a consequentialist one. The reason I do that is mostly for practical reasons rather than some idea of deontological ethics being somehow more universally correct... I think that even a weakly skeptical epistemology derives deontological ethics as the most practicable. In layman's terms, it is way easier to tell people what they can or cannot do than it is to expect them to calculate consequences.