The answer from the most senior civil servant in the state was simple.

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Mr Gove and Mr Wormald had been recalled to answer questions about a senior civil servant's allegations of bullying by one of the secretary of state's special advisers, Dominic Cummings, and James Frayne, his department's former head of communications.

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Unfortunately for its new shareholders, chairman Jacques Friedmann was a longtime civil servant who knew little about the insurance business -- before uap he had run state-owned Air France and Compagnie Gnrale Maritime.

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