> Why did you let things get this bad? Why did you ignore admonitions from regulators? Well, you said it yourself: admonitions, AFAIK, aren't directives, and e

> Why did you let things get this bad? Why did you ignore admonitions from regulators? Well, you said it yourself: admonitions, AFAIK, aren't directives, and executives can and—of course given their incentives—will ignore them.