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Saying sorry can, for some, be the hardest thing to do. And as Wells Fargo is criticised for 'cheeky' apology, that's certainly true not just for people, but for governments and corporations too. For our commentator Lucy Kellaway of the Financial Times, that has been particularly evident in the case of America's third largest bank in terms of assets, Wells Fargo. (Picture: A Wells Fargo sign. Picture credit: Getty Images.)