Clearly stated, but the Fianna Foolers are stampeding us off the cliff to stay in the good books with the major investors, so they say, who will never ever ever lend any money at all, at all to the Irish banks. As effectively, it is the ECB doing the lending anyway, in what sense are the banks Irish, and if the bankers look after the bank\’s survival, how can it possibly benefit the real economy in the short, medium and long term. The people should withdraw their money from banks and deposit it in credit unions. The major banks have conspired to shock the cabinet into a guarantee of deposits which is now compelling the government into NAMA bail-out at the cost of the taxpayers directly and indirectly. Let the banks wind down their operations, and the investors and shareholders take the losses. Capitalism is not a one way bet.