The conclusion reviews and reflects on main themes. It emphasises the fact that Bank of Scotland continues, despite the end of HBOS and the elegiac tone of this study. It returns to the idea of ‘salvage ethnography’ and its applicability in this case, and interrogates the idea, present throughout the book, that the original fieldwork data presents us with some signs of the dysfunctions that would lead HBOS into crisis. It considers the tensions between ethnographic and historical modes of understanding and explanation, and the challenges of generalising from particular cases. It reviews the key concepts of culture, change, and identity that structure the central ethnographic chapters. Finally, it situates the study within the evolution of the author’s ideas since the time of the original research.
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