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But HBOS under Crosby also appears to have been grossly complacent in believing that Bank of Scotland's corporate managers could breeze through any medium-sized crisis just because they had done so in the past.
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This is grossly unfair.
Grossly unlikely.
Completely complacent".
We were grossly underrepresented.
But it became complacent.
Yet we remain complacent.
Unfortunately, investors are complacent.
That looks complacent.
I was complacent.
That seems complacent.
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