That was the message I delivered on Irish television last night.
You can see it here.
The message is a blunt one: Ireland chose to not regulate. It is now living with the consequences of that. They are very, very uncomfortable.
I do blame the bankers. I do blame the accountants. But I blame the politicians too. The culture has to change. They created it.
Will it though?
It is the only way forward for what is, in effect, a bankrupt state. But how long will it take to appreciate that?
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