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Graham Halksworth's neighbours knew him as a pillar of his community: a family man and a trustee of the local golf club. They didn't realise that he was quietly plotting one of the most audacious scams in history. Paul Vallely reports

28 October 2003

Every Monday morning, 69-year-old Graham Halksworth would bid farewell to his wife Margaret, and leave his home at the top end of the little town of Mossley, high on the shoulder of the Pennines. Smartly dressed and carrying a briefcase, he would negotiate the steps down from their unprepossessing brick-built semi, whose only sign of pretension was its windows, leaded with an unlikely escutcheon in the stained glass.

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