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    Ross - the point is that Brown was a repeat offender, time after time. You will know as I do about the advice he received over pension taxation, over pension reform (stakeholder) over tax-free savings, over regulation, over so called pension simplification. Government insiders have revealed as much. Time after time he ignored the experts and went with his own judgement and every time he was shown to be wrong.

    In local government a councillor who behaved that way ignoring officer advice, using their own judgement leading to a loss to the taxpayer, can be challenged in court and a judicial review can lead to them being personally surcharged for any losses. Remember Clay Cross and Westminster - two cases where that happened.

    If only central government operated under the same rules, would Brown have repeatedly ignored expert advice? He would have been daft enough to do so. No chance of getting even the £10bn he cost us on the gold sale let alone anything else. Still, it would be nice to see the man in the bankruptcy court for his foolishness.

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