I believe HSBC paid a hefty fine. It appears, to me, that these two individuals were sincerly trying to explain what and why they did what they did. She kept asking for their opinion. I'm not sure they were in the position to give an opinion. I might be wrong there.

I guess it must be determined if individuals of the bank broke laws . If they did then put their butts in jail of give them a needle.

If we don't count our blessings
We are just wasting our time