If you are following the certified question before the Ohio Supreme Court in Bank of America vs. Duvall then you are aware that Bank of America has recently filed its reply brief. The briefing process can be frustrating at times. Rather than address the issues and arguments presented, the opponents will mischaracterize the argument or the issue.
A number of well educated professionals have differing opinions on the issue. Rather than acknowledge the difference of opinion and argue the correctness of its position, Bank of America has decided that we cannot possibly be as smart.