That makes sense. But then what exactly happens when this hypothetical conversation happens:<p>- Hi insurance broker man. You did&#x27;t follow regulation X when you did Y.<p>- Oh, I didn&#x27;t know that, I wasn&#x27;t told that.<p>- Oh really? It was right in that mandatory training program you took. See here on screen #7?<p>- Oh that dumb thing? Most people at my company just ran this script to get through the damn thing. I wasn&#x27;t paying attention.<p>What happens then?