For example, the standard deposit protection schemes which cover your and my personal bank accounts, these are already covered under another scheme.

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What they have in common: An employee went out of his or her way to help me (albeit, in the case of the bank, at the point where I was contemplating closing all of my accounts).

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And as personally distasteful as I find secret bank accounts and diverted funds - well, as the Navy would say, this happened on my watch.

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