[SPIIP-77] Treat 'negative_latency' as zero if not specified.
This allows the up-to-date version of the code to read older bank files.
The code before the change is (roughly):
for root in (list of possible roots):
negative_latency = get_from(root)
which means that we always get the last negative latency from that list... not sure if this behaviour is documented anywhere (or whether it applies), but I’ve preserved that.