Wouldn't dream of it.... Whatever the responsibility of individuals in the demise, it was a much wider set of circumstances that contrived to send SAR-H to the bin. Not least in my opinion, were the effects of the crash on money availability, a new government with new politics, and the review giving an opportunity for all involved to realise that a 30 year lock in at low profit was not a risk worth taking.... And then a certain someone gave everyone an excuse to walk away.