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It is easy to let the luxury spending dominate the narrative: the cars, the properties, the artwork, the jewelry. Reuters reported charges tied to about S$100 million in acquisitions and estimated lavish personal spending, while other reporting said more than S$481 million was channelled into Ng’s accounts. Those are arresting numbers. But the real damage is less cinematic. It is the investor who believed documents because they looked institutional. The employee who worked inside a business that