evidence: There are some who acknowledge that Gardiner and others have no evidence of insurance fraud, admitting that Titanic was indeed under-insured, and that the theory that the White Star planned to scuttle the ship in a pre-arranged mid-Atlantic collision is simply untenable. Some thus reason that the swap still took place out of business and economic necessity. However this claim goes with the assumption that the White Star Line was suffering financially. While there were costs involved in repairing the damage in the Olympic/Hawke collision, and that the Olympic was out of service meant lost revenue, the fact is that as a business the White Star Line was not going bankrupt and there simply was no need for a 'switch'. This has already been discussed here. Mark Chirnside reports the following: [...] 3. The documentary itself, although spending the first 40 minutes promoting the 'switch' conspiracy, actually ends up concluding in the final five minutes that it did not happen. Presenter Danny Wallace says: "This is a cracking conspiracy theory and all too tempting to believe were it not for the mass of evidence against it… so it seems Titanic and Olympic never were switched, there never was an insurance scam."