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"Royal Mail is a business that has historically found it difficult to grow revenues by more than costs," says Alex Paterson, an analyst at Peel Hunt stockbrokers.

Ricardo was this great stockbroker, very cool under pressure, great at doing calculations, very knowledgeable, and he essentially projected out onto the world: “Whoa, what if everyone was an amazing stockbroker like me?”

Stewart said she did when she worked as a stockbroker on Wall Street in the 1960s, but Andy never knew of her infidelity.

In the days following the crash it emerged that Violet owed her stockbroker £1m, and had borrowed thousands of pounds from her ex-fiancé and hundreds from a widowed neighbour.

The son of a stockbroker, he was born in Kent and attended private school Dulwich College, in South London.