4.Bank has provided an option for speed processing so if you urgently need money within 7 business days we can sent the fund that you requested manually. This method is really limited and out of negotiated price contract with the bank, the bank fee is high 5% because we have to convert JPY into an other currency (That we cannot choose, the currency depends on your country and only one currency is possible by country) then it takes 5 business days to get the money.
This is interesting. I agree it is most consistent with Gox not having enough USD. It costs about 3% to convert to USD at retail in Japan.
The fee is 5% plus some, so it appears there is also an international wire transfer involved, with the various fees along the way.
After their USD losses perhaps they are running a fractional reserve in USD. The real solution here would be for them to actually explain what is going on.