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In response to Anon at 11.18 - this is simply what happens in a free market, liberalized environment - some businesses succeed, others fail, and unfortunately when the latter happens, creditors lose money. I agree with previous comments that the legal sector was not sufficiently prepared for this move to a more commercial footing, but some firms also didn't help themselves by not taking a proper long term, strategic approach to their businesses, preferring to simply think that business models that had worked in the past would continue to do so ad infinitum.

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