When you hear of financial mismanagement, very often the story is about a rogue leader (think Marcus Jooste of Steinhoff) or a small group of executives who, with cunning and avarice, have conspired to deceive their stakeholders and brought about catastrophe.

But for every captain of industry prepared to break the rules and cook the books in order to feather their own nest, there is a slew of others who apparently didn’t see the icebergs dead ahead.

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