To enable that to happen we firstly need to fully nationalise all institutions under the guarantee, not 99.999% of each of them but 100% to come under state control. All members of boards who prescided over that entity in the boom years to be sacked. To be replaced by competent individuals and I dont want to hear that the expertise is not available we have tons of it in this country. Anglo, INS, EBS no longer have a funtion in this society so wind down transfer whatever can be to NAMA and sell off the remainder of the loan books at whatever we get for them. I believe we need two clearing banks in the country, whether that be BOI and AIB or BOI and AIB/ILP I dont know because I aint one of these "experts" but I do know that we need more than one bank for comepetition purposes.