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Section 5, Analysis, was a good read. I especially like this comment from the judge.

The fact that a letter is sent to the bank, registered or otherwise, demanding that the bank prove its claim in a specific way, does not oblige them to do that. He might just as well have asked the bank officers to dress in some specific costume and march down the street, if in fact the debts were owed. It does not mean they are required to do it.