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I can categorically say that for me, William, the answer would be "yes, I would have acted differently". The trouble with not holding your hands up at an early stage is that you end up digging yourself a hole which is far deeper than the one you are already in.

And the errors he was covering up would surely have been a bona fide insurance claim if he had just left it at that. And always assuming that he was insured, of course...