That point was plenty clear, and I was not disputing it, so no need for an apology. The more relevant point here is whether narrow banking is legal at all, and

That point was plenty clear, and I was not disputing it, so no need for an apology. The more relevant point here is whether narrow banking is legal at all, and I was trying to bring the discussion over to that point. If your point was merely to cite some non-blocking barrier to narrow banking, than I don't really see why you brought it up. If you want to apologize, apologize for being technically correct at the expense of providing insight.