Manimal, while I appreciate the logic of your comment, the real life application is that if someone 'really has to go' or if they get sick, it's really hard to tell them that they can't use the restroom until the bank opens or until they go home....
Still unsure........my fear is that there is no solution, and it's up to the management/staff to stay alert (and lucky).
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My comments are absolutely no reflection of, nor influenced by, my employer - take them at your own risk.