Gardiner's theory plays out in this historical context. "Olympic" was found to be at blame in the collision (which, according to Gardiner, had damaged the central turbine's mountings and bent the keel, giving the ship a slight permanent list to port). Because of this finding, White Star's insurers Lloyd's of London allegedly refused to pay out on the claim. White Star's flagship would also be out of action during the extensive repairs, and the "Titanic"s completion date, which was already behind schedule due to "Olympic"s return to the yard after her loss of a propeller blade, would have to be delayed. All this would amount to a serious financial loss for the company. Gardiner proposes that to make sure at least one vessel would be earning money, the badly damaged "Olympic" was patched up and then converted to become the "Titanic". The real "Titanic" when complete would then quietly enter service as the "Olympic".