Barry Bradler is the MD and majority shareholder of Dodgy Insurance Ltd. (DIL), a large insurance company listed on the ASX. DIL has approximately 20% of the professional indemnity insurance market in Australia. Lately, DIL has been experiencing serious cash flow problems with the result that many legitimate insurance claims made by DIL policy holders have been denied without good reason. These problems have not prevented DIL continuing to offer insurance contracts to new clients. The internal auditors of DIL estimate that the company is incurring losses of $1 million per week. They compile this information in an internal memo to Barry Bradler but does not read the memo as he has not been into his office for the last two weeks. Barry Bradler has also been busy lately, so he has not been attending any of the board meetings of DIL and has no idea about the current financial status of the company. Barry is busy because he is the director of many different Australian companies, including Here to Help Ltd., (HTHL), a large insurance company listed on the ASX with approximately 30% of the general insurance market. HTHL is keen to expand its Australian insurance business and is