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Holding client money and then paying it out carries risk for any business. Having read the judgment several times, I produced a note considering the case. The detail on exercising the discretion tells a different story than the headline.
https://www.marsh.com/content/dam/marsh/Documents/PDF/UK-en/Client%20Adviser%20-%20The%20Hazards%20of%20Handling%20Client%20Money.pdf

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