They should try the bank line: * hey we are just playing the game, it's the regulators who set the rules * it's business, if we didn't get innovative with the

They should try the bank line: * hey we are just playing the game, it's the regulators who set the rules * it's business, if we didn't get innovative with the rules we'd loose customers and go out of business * it was one rogue guy, the culture here is fine! If all these fail then just make sure the fine is less than the profit you make from the "transgression".