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> tried reinventing the wheel in it.

That's not reinventing the wheel, that's building a new wheel you hope performs better/different with different materials and maybe some different techniques, and has a long and storied history of both successes and failures.

Reinventing the wheel would be if they published this system and some other bank recreated it without using what they published, thus "inventing" something that already existed and was available.




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