I think you are quite right to be a bit (may be a lot more!) puzzled by the reply.
It used to be that in accordance with RSB/12/81, there was, apart from the question of law, in the issues of failure to disclose ( so long as it is not under s74) also a moral obligation to disclose. After Hinchy the view is that in most cases the obligation has to be a legal one. Otherwise in most cases every one would submit a claim or make a decision on a block of ice, and then leave them in the sunshine, for further Metamorphoses!!
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