The footnote is buried under risk governance language the way a blade is buried in folded cloth, still there, still capable of cutting, just not advertised to the casual eye. It says temporary deferrals may be used during short-lived volatility when senior oversight determines that immediate escalation could create unnecessary liquidity movement. Each clause is polite enough to be read aloud in a meeting without anyone flinching. There is nothing illegal in the sentence. That is why it is useful: it is a public admission of discretion, and discretion is where delay learns to dress like responsibility. You read it twice, slower the second time, listening for the place where “temporary” becomes habit. You copy nothing yet. You let the weight accumulate. [[Cybercrime/The_Phisherman/Annual Report Risk Committee Note|Read the annual report Risk Committee note]]