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Protestors hold signs behind Richard Fuld, chairman and chief executive of Lehman Brothers Holdings, as he takes his seat to testify at a House Oversight and Government Reform Committee hearing on the causes and effects of the Lehman Brothers bankruptcy, on Capitol Hill in Washington, in this October 6, 2008 file photo. No one expects a fallen Master of the Universe to say sorry. But academics say an apology -- for all the litigation risk it entails -- can be the basis of revitalised confidence and trust. To match feature FINANCIAL-SORRY/  REUTERS/Jonathan Ernst/Files   (UNITED STATES) - RTX9Q5T Jonathan Ernst/Reuters