The solution is.... YOU CAN'T. The user response is, "YOU CAN'T get away with that. Boooooo! If it's incomplete, withdraw it. I worked, 30 years ago, on something called at the time SWIFT, the Society for Worldwide Interbank Financial Transfers - so I'm hard to fool. And if Homie somehow doesn't play dat, just send it back the nanosecond it arrives. As I said above, "YOU CAN'T arbitrarily refuse such a simple request. Boooooooo!"
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