I'll leave that discussion to the courts and café lawyers. I have my own opinions but they aren't relevant to the practical application of an AML program within an institution nor are they appropriate for interpretation of regulatory expectations. 

 

 A discussion may not be appropriate for practical applications, but it is relevant in raising awareness and creating a discourse.

If thats not something you want to engage in I understand. 

 oh I'm happy to discuss... just not on social media or in any other public setting. 

if this were an anonymous account... but it isn't though. 

cheers, friend. I am reachable if you look for me.  

 Understood.  This account isn't doxxed and is anonymous for me, so if someone were to send me a pm I wouldn't be able to know if it is you or not