“If it is all going down the swanny then the ramifications are horrendous.”

If not, and if it all goes down the swanny as of today, I'd like to stress that there is no such thing as an OBO curse.

I still remember vividly going to meetings of policyholders and seeing often stressed and ill old men and women seeing their life savings going down the swanny.

One chief executive even hired goons to "hunt down" and mentally break a broker suspected of attempting bribery (it worked - the guy's house and marriage went down the swanny).