Well, yes? The law says that the bank should do the thing and the bank does the thing to the best of it's ability, given what people usually work there.
> the bank does the thing to the best of it's ability
No they don't. At best, they do a cost-effective proxy for what should be done.
> the bank does the thing to the best of it's ability
No they don't. At best, they do a cost-effective proxy for what should be done.