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13 There are plenty of examples of Scots, whether admirable or not, who really did start businesses from near nothing – for example, William Lithgow the shipbuilder, Robert Fleming, the Dundee clerk who started an international investment bank, Brian Souter and his sister Ann Gloag from Perth who set up Stagecoach and, of course, the example most often cited, Andrew Carnegie who made his fortune in American steel..

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