Mr. Justice John Hedigan:

That is not actually what happened. I circulated an email to the five members of the board asking them to let me know whether their banks were invoking these time limits and, if they were, to contact me because I wanted to discuss this troubling issue. In the following week, all five banks announced they were not. In fact, I discovered subsequently who was and who was not involved. It was only at that stage that it was clear by a process of elimination.