RE: RE: 43 101 Analogy !
My bank is 5 miles from my house. I need to go and pick up papers there, then take them to my accountant and then to my lawyer and finally to my estranged x-wife.
Now I can either drive my Lamborghini to all three locations and get it done in a week. Or I could walk taking a month. I am not in breach of any law as I'm compliant within the spirit of the law. If I were to lose any of that paperwork somewhere on the way to the lawyer, well I would need to start the whole process over apologising for my imperfect self and my mistake.
JMO