My concern here is not just with getting the svrs down but in the event of that not happening what happens in the next year or so with regard to the cycle of interest rates. I've been reading about the fed and boe and rates going up there, with the form the irish banks have shown that they'll just go and start jacking up all rates so as to maintain the current high differential between the two and not do the decent thing and just hit the trackers. This for me as well as the upcoming election is the reason we need to up the ante with regard to actions taken in the near future because I for one have no faith in any of the state angles for dealing with this. If people are feeling hard done by now what way will they feel when the current 4.5% svr becomes 5.5%+. This might be what the silent majority need to happen before they're shaken into doing something. Any thoughts or expert opinions on the point I make re the cycle of rates Brendan would be most welcome as maybe I'm talking through my hat or maybe I'm getting the banks all wrong about what they'll do when the ecb starts to up their rate. If I am rite ill join the orderly queue outside my bank with the keys of my apartment.