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Is having a ‘head for business’ instinctive, or can business savvy be taught? With the cost of acquiring a business degree higher than it’s ever been before, the question has never been more relevant. In 1996 Michelle Mone started up her designer lingerie company, MJM International. Today her business is thought to be worth £50 million. Carol Savage has headed up marketing for leading brands such as Sara Lee and Disney. They tell Jenni Murray what they think.