Do you think this analogy is effective?If your actions are guided by the public disclosure test, would you have behaved differently?

Case Problem on The Twin City Bank v. Kenneth Isaacs
Read The Twin City Bank v. Kenneth Isaacs’ judgement (Links to an external site.)and respond to the following critical thinking and ethical decision-making questions:

The judge uses North Shore Bank to make analogies with the Isaacs’ case. Do you think this analogy is effective?
Suppose you are the bank manager who decided to keep a freeze on the Isaacs’ funds for four years. If your actions are guided by the public disclosure test, would you have behaved differently?