Rubin and Russell were partners in RRP Associates. They did their personal and business banking with Colossal Bank, where they arranged their accounts so that transfers from one to the other could be made by either partner online, by phone, or in person. Although the business prospered, Rubin and Russell had difficulty working together. Following a serious disagreement, Russell went online and transferred $50 000 from the RRP account to his personal account. When Rubin discovered this transaction, he complained to the bank and was told that the transfer was done in accordance with the agreement between RRP and the bank. How can partners best balance the risks arising from banking arrangements with the need for convenient banking? What action can Rubin take now?