Not the Irish public's fault mate....any more than it's our fault on the mainland. The blame for each country's woes lie with the idiots in charge chap....and by that I mean the policy makers in the Government and the greedy bankers who knew what they were doing, but wanted the fast buck so they could disappear off when it all hit the floor with their millions and not have to worry. I am always asked 'why' and the simple answer is this - there were too many people making too much money so everyone turned a blind eye to it all. I bet there were policymakers on the take as well. This is what happens when you let banks regulate themselves - they run riot with everyone else's money.