Article: Our mutual friend? More an arrogant self server Doing The Business There are massive holes in Standard's piggy bank where savers' money used to be

For Standard Life - the Edinburgh-based mutual insurer that has done for its members' assets what the Duke of Sutherland did to Highland tenants - the past week has been just about as humiliating as corporate life gets without going bust.

Having beaten back proposals to demutualise in 2000 and 2003, Standard's management was forced to admit that the business's finances are now so parlous that a stock market flotation is being considered to stave off further decline.

Though that may seem shocking, it's not surprising. When a company's top brass is cocooned in a culture of arrogance and conceit, as Standard's was, rational thought rarely emerges as the winner.

Four years ago, Standard had the ...

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