Kindest Regards, Paladin, and welcome to CR!
Well, if I understand your question correctly, ethics is applied morality, morality being the set of rules (formal or internal) that we use to make judgements of equity and fairness for ourselves and towards others. In other words, morality is the thought process of "right and wrong," ethics is applying those thoughts into external actions (walking the talk). Hope this helps.
I do think you have a good point though, and it really shines through with words that have multiple meanings, like the term "religion."