If NAB has not yet signed and ANZ has not yet signed, it is not too late to pivot and embrace the Westpac side in a defence of the industry's reputation as the bedrock of the economy.ANZ declared super sensitivity on details of its conduct in the bank bill swap market in recent years. Alan Archibald for the bank led off, as so often in oligopoly cases, with many wins behind him.Collusion and rate fixing via agreed signalling, even conspiracies and coordination soirees, lie at the heart of the ASIC charges against ANZ, NAB and Westpac.The two Melbourne headquartered banks are reaching court house steps settlements, while asking for still more time to resolve a problem surely analysed long ago.Neil Young, the former federal judge speaking for NAB, also asked for time in the wake of ANZ's fast break from the pack. That leaves just Westpac seemingly ready to rumble, but needing a week - until next Tuesday - to get set for an epic defence.If Westpac seriously wants to move for advantage in the Australian banking market, a stout defence of its BBSW conduct is the way to go.Commonwealth Bank are collapsing and Westpac will front run in the Sydney banking cartel.