Key insight: Return-to-office mandates are chosen stress, and it's an unworthy choice because banking is a very difficult business. Return-to-office mandates are chosen stress, and it's an unworthy choice because banking is a very difficult business. Those are the people who sacrifice the most for arbitrary return-to-office mandates and who are served least by them. Return-to-office mandates are chosen stress, and it's an unworthy choice because banking is a very difficult business. In that environment, why would a financial institution choose the stress created by return-to-office mandates?