yes, I do remember the 1999 issues - but, BSA / AML regulators weren't as "ruthless" as they are today.
So, here's a new one: Customer takes out $172,000 over a short period of time. The branch insisted that the customer not withdraw the money, but becuase of the economy - the customer would not hear of it. The branch told the customer they would not be responsible for giving them that much cash - so the branch broke it up into $25,000 increments over several weeks. Everyone at the branch tried to talk the customer out of this - so, would you file a SAR? It's documented as to what happened, the branch tried to keep the customer from taking that much cash. What would you do?