Banker on the stand

I was tak­ing part in a You-​Tube con­ver­sa­tion on bank­ing and fore­clo­sures when this ques­tion was asked. But to give some con­text to the ques­tion we need to under­stand what the con­ver­sa­tion was about. Here is a sound-​clip from the You-​tube post.

Unfortunate I was unable to upload the sound to dsound because of network errors. So in order to hear the audio for now you will have to use the link below until I can get it on dsound.

http://geneticmemory.org/index.php/current-state-of-the-matirx/290-banker-on-the-stand
Here is the question.