I see rulings like this and lose even more faith in the law. Clearly the spirit of the law should have protected Citibank here, but the letter of it fell short.

I see rulings like this and lose even more faith in the law. Clearly the spirit of the law should have protected Citibank here, but the letter of it fell short. I imagine a bunch of self-important lawbook-warriors patting themselves on the back for how they manage to miss the forest for the trees on a daily basis.