I have spoken to people close to the former HBOS chief Sir James Crosby who say that these two decisions, to forego his knighthood and almost a third of his pension, have been very difficult for him to take.
They say he was taken aback by his portrayal in the press, and he hopes that this sacrifice will be seen as appropriate and will stop what he saw as a witch hunt against him.
It is too early to say whether it will work, but I have spoken to some people who suffered as a result of what went on at HBOS and they have welcomed the steps.
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