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Why, were there bullsh!t merchants back then too Grandma?
The OP is talking out of his arse and you'll probably find that he's been banned from this forum before.
So that's what happened to SY01, he exercised the substitution clause.
Seriously though, chin up and sort your self out. Things will look a lot better a couple of months down the line.
I have no doubt that there are individuals within banking who've worked their bollocks off to achieve or exceed their agreed targets and as they have clauses in their contracts that reward them for doing so then they are perfectly entitled to what their contract says is their due.
Stop being a...