Well, make sure to mention that if a violation of the regulation that has been happening for the last 34 years is not a pattern or practice, you are not quite sure what might fall into that category
For those of us that were actually around doing compliance and training bank personnel in the summer and early fall of 1988 getting ready for the kick-off, this was one that we really had to hammer on, as every branch that we had emptied the night depository in the morning and then forgot about until the next morning. They really had to change their habits.