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Understand your point of view because you took a hit, but until endowment policies stopped meeting expectations, they worked a treat. Few analysts expected that to change until it did. Would you have returned the extra growth to the company had it over performed? Come to that, did you get the...

Could it be because many customers genuinely and voluntarily took PPI for their own peace of mind? Could it be because many customers wouldn't dream of taking finance without PPI in case they lost their job or suffered ill heath? PPI wasn't all bad and wasn't compulsory. However, it wasn't...