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I think that you have to first ask who wrote the report? The accountancy consultancy McKinsey.

Accountants always abstract performance and actually are very poor at understanding where and how improvements in service can quickly equal a reduction in cost.

Accountants always go for the option that says we will have to lose x number of jobs. This sort of tick-box mentality is the thinking that got us into the financial crisis in the first place. Isn't it time for a spot of new thinking to solve new problems instead of old thinking to solve the old problems?

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