But he said the bank needed to lend responsibly, with proper risk management in place.

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Under him, the NSC is being rebuilt with the proper management discipline.

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The sad truth is that income has much less to do with financial security than proper money management does.

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Millions of pounds a year are wasted trying to control them, he says, and only proper research will be able to come up with good management strategies.

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In conjunction with the Complex Management Team, Renn was supposed to ensure proper execution of all operational, administrative and compliance functions.

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