Their flippant attitude is disturbing. I find it interesting that Ken_Pegasus has the tag line "Yes, I am a pirate...born 200 years too late. Some of it's magic and some of it's tragic, but I've had a good life all the way. JB "
From the avatar Ken used I found this: Pegasus Educational services teaches bankers about bank regulation. and Ken's bio "
Ken (redacted) is a principal with Pegasus Educational Services, LLC. He is an experienced banker with a. He has explained the “why” and “how” of regulations to thousands of financial institution personnel and examiners "
unique ability to reduce complex legal concepts to plain English 
I wonder why he does not translate the the statute for this group of folks looking for mentoring, instead of deriding the issuer of the demand?
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