"Management by committee – or rather dozens of committees – bred a culture of cliques and cronyism. "Manifestly unsuitable" – Treasury select committee chairman Andrew Tyrie's description of Flowers – applied even before the hard drug, and now pornography, allegations. The PRA must explain why it didn't intervene". ..and now the Chairman has resigned. Didn't anyone tell Tyrie that nothing has been done to reform banks and banksters since the last disaster in 2008?

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