Sometimes banks get in trouble with regulators for misconduct, and the regulators fine the banks and issue an order describing the misconduct, and I read a description of the misconduct and am like “ah yes that sounds like misconduct.” Other times, I read the description and am like “hmm I guess but that’s kind of a gray area and I can understand why they thought it was allowed.” (Perhaps this is just me.) But sometimes, I read the description of the misconduct and am like “well that’s just usin...