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You're a London tube driver and you've had two 'one-unders' in as many weeks. You're traumatized but completely blameless. Then you're told about the '3 and Out' rule; three fatal accidents within a month and you're out of a job? but with a huge pay off! What do you do? Take trauma counseling and drive very, very carefully?
Or do you seek out a suicide victim, take the cash, pay off your debts and retire to a Scottish idyll to write your novel?