As for
key - man risk, see my Owner - Operators paragraph above: Neil Record's already in a Chairman role (
i.e. he's already stepped back from day - to - day management), senior execs have a very long average tenure, there are no
star traders, the company specifically hires young & trains up its employees in the business / culture, and frankly they'd never win a pension mandate in the first place based solely on a single employee or two.