\u00deetta breytir samt ekki \u00fev\u00ed a\u00f0 vi\u00f0 st\u00f6ndum sem \u00fej\u00f3\u00f0 frammi fyrir vandam\u00e1li, sem okkur hefur ekki tekist a\u00f0 leysa, \u00fer\u00e1tt fyrir \u00edtreka\u00f0ar atrennur \u00ed g\u00f3\u00f0\u00e6ri li\u00f0inna \u00e1ra. \u00deetta vandam\u00e1l heitir sj\u00e1lfst\u00e6\u00f0 peningam\u00e1lastefna Se\u00f0labankans me\u00f0 kr\u00f3nuna sem tilraunad\u00fdr. \u00dea\u00f0 m\u00e1 n\u00fa heita fullreynt a\u00f0 \u00feetta stj\u00f3rnt\u00e6ki er \u00f3n\u00fdtt \u2013 vita gagnslaust. \u00de\u00f3tt \u00e1rinni kenni illur r\u00e6\u00f0ari, breytir engu \u00fe\u00f3tt sagt s\u00e9, a\u00f0 \u00feetta s\u00e9 ekki \u201ckr\u00f3nunni a\u00f0 kenna\u201d. \u00dea\u00f0 er ekki skiptilyklinum a\u00f0 kenna, ef \u00fe\u00fa getur ekki skipt um dekki\u00f0. En ef \u00edtreka\u00f0ar tilraunir bera engan \u00e1rangur \u00fe\u00e1 er r\u00e1\u00f0 a\u00f0 skipta um skiptilykil, – og jafnvel manninn sem veldur ekki t\u00e6kinu. Okkur vantar m.\u00f6.o n\u00fd t\u00e6ki til \u00feess a\u00f0 stu\u00f0la a\u00f0 st\u00f6\u00f0ugleika og til \u00feess a\u00f0 festa hann \u00ed sessi. \u00dea\u00f0 \u00e1 a\u00f0 vera markmi\u00f0 hagstj\u00f3rnarinnar. \u00dej\u00f3\u00f0in \u00fearfnast st\u00f6\u00f0ugleika.<\/p>\n\n\n\n\n\n
\u00dea\u00f0 eru reyndar allm\u00f6rg \u00e1r li\u00f0in fr\u00e1 \u00fev\u00ed a\u00f0 \u00edslenska kr\u00f3nan h\u00e6tti a\u00f0 vera gjaldgeng \u00ed vi\u00f0skiptum. Satt best a\u00f0 segja fulln\u00e6gir h\u00fan engum \u00feeirra skilyr\u00f0a sem grundvallarreglur peningam\u00e1lahagfr\u00e6\u00f0i gera til gjaldmi\u00f0ils. H\u00fan er hvorki reiknieining n\u00e9 grei\u00f0slumi\u00f0ill, hva\u00f0 \u00fe\u00e1 heldur \u00e1v\u00edsun \u00e1 varanleg ver\u00f0m\u00e6ti. J\u00f3n Sigur\u00f0sson, fv. se\u00f0labankastj\u00f3ri, hefur minnt okkur \u00e1 \u00feessar einf\u00f6ldu sta\u00f0reyndir, sem oft vilja gleymast \u00ed umr\u00e6\u00f0unni, \u00ed vel r\u00f6kstuddum greinum \u00ed \u00feessu bla\u00f0i. \u00deess vegna ur\u00f0um vi\u00f0 a\u00f0 taka upp ver\u00f0tryggingu \u00feegar \u00e1ri\u00f0 1979. \u00dea\u00f0 hvarflar ekki a\u00f0 nokkrum manni a\u00f0 veita l\u00e1n til langs t\u00edma \u00ed kr\u00f3num. \u00dea\u00f0 v\u00e6ri alltof mikil \u00e1h\u00e6tta.<\/p>\n
\u00deess vegna eru langt\u00edmal\u00e1n (t.d. h\u00fasn\u00e6\u00f0isl\u00e1n) veitt \u00ed ver\u00f0trygg\u00f0um kr\u00f3num me\u00f0 f\u00f6stum v\u00f6xtum. Ef ekki v\u00e6ri ver\u00f0tryggingunni til a\u00f0 dreifa, v\u00e6ru \u00fatl\u00e1nsvextir \u00e1 langt\u00edmal\u00e1num n\u00fa \u00feegar a\u00f0 n\u00e1lgast 30%. Og f\u00e6ru h\u00e6kkandi. Hva\u00f0a atvinnurekstur treystir s\u00e9r til a\u00f0 taka sl\u00edk l\u00e1n? Hva\u00f0 yr\u00f0i um samkeppnish\u00e6fni sl\u00edks fyrirt\u00e6kis \u00e1 erlendum m\u00f6rku\u00f0um? Hva\u00f0a einstaklingar g\u00e6tu risi\u00f0 undir sl\u00edkri grei\u00f0slubyr\u00f0i? Ver\u00f0tryggingin er m.\u00f6.o \u00feeirrar n\u00e1tt\u00faru a\u00f0 sl\u00e1 aflei\u00f0ingum \u00f3stj\u00f3rnar (jafnv\u00e6gisleysis) \u00e1 frest. En h\u00fan breytir engu um \u00fea\u00f0 a\u00f0 undirliggjandi ver\u00f0b\u00f3lga er eins og tifandi t\u00edmasprengja, sem getur sprungi\u00f0 \u00ed h\u00f6ndunum \u00e1 okkur hven\u00e6r sem er. \u00dea\u00f0 er von a\u00f0 \u00fatlendingum gangi illa a\u00f0 skilja \u00edslenska efnahagsundri\u00f0.<\/p>\n
Hvers vegna duga ofurh\u00e1ir st\u00fdrivextir Se\u00f0labankans hvorki til a\u00f0 sl\u00e1 \u00e1 l\u00e1nsfj\u00e1reftirspurn n\u00e9 heldur til a\u00f0 l\u00e6kka ver\u00f0b\u00f3lgu? \u00dea\u00f0 er vegna \u00feess a\u00f0 \u00feeir hafa engin \u00e1hrif \u00e1 ver\u00f0trygg\u00f0 l\u00e1n til langs t\u00edma me\u00f0 f\u00f6stum v\u00f6xtum. Og \u00fea\u00f0 er vegna \u00feess a\u00f0 b\u00e6\u00f0i fyrirt\u00e6ki og einstaklingar geta \u00ed opnu hagkerfi sni\u00f0gengi\u00f0 r\u00e1nd\u00fdr kr\u00f3nul\u00e1n og leita\u00f0 \u00ed sta\u00f0inn eftir erlendum l\u00e1num \u00e1 l\u00e1gum v\u00f6xtum. Sj\u00e1lfst\u00e6\u00f0 peningap\u00f3lit\u00edk Se\u00f0labankans me\u00f0 kr\u00f3nuna a\u00f0 vopni f\u00e6r n\u00e1kv\u00e6mlega engu um \u00feetta r\u00e1\u00f0i\u00f0. <\/b><\/p>\n
Seinasti \u00e1ratugur seinustu aldar var kenndur vi\u00f0 al\u00fej\u00f3\u00f0av\u00e6\u00f0ingu \u00e1 \u00f6llum svi\u00f0um. \u00dea\u00f0 \u00e1 t.d. vi\u00f0 um vi\u00f0skipti, t\u00e6kni og fj\u00e1rmagn, sem streymir milli heims\u00e1lfa og gjaldsv\u00e6\u00f0a me\u00f0 rafr\u00e6num h\u00e6tti \u00e1 sek\u00fandubroti. Reynslan kennir (Mex\u00edk\u00f3 1994, R\u00fassland og SA-As\u00eda 1997\/98 og Argent\u00edna um og upp \u00far 2000 eru til marks um \u00fea\u00f0) a\u00f0 vi\u00f0 \u00feessar a\u00f0st\u00e6\u00f0ur er l\u00edti\u00f0 sem ekkert hald \u00ed sj\u00e1lfst\u00e6\u00f0ri peningam\u00e1lastefnu einstakra \u00fej\u00f3\u00f0r\u00edkja e\u00f0a l\u00edtilla myntsv\u00e6\u00f0a. Flj\u00f3tandi gengi hefur ekki gefist vel til a\u00f0 tryggja jafnv\u00e6gisa\u00f0l\u00f6gun. \u00devert \u00e1 m\u00f3ti eru gengissveiflur, sem r\u00e1\u00f0ast af sp\u00e1kaupmennskusj\u00f3narmi\u00f0um, n\u00fa r\u00edkjandi. Sj\u00e1lfst\u00e6\u00f0 peningam\u00e1lastefna er \u00fev\u00ed helst til \u00feess fallin a\u00f0 magna hagsveiflur fremur en a\u00f0 draga \u00far \u00feeim.<\/p>\n
Reynsla okkar s.l. sj\u00f6 \u00e1r af sj\u00e1lfst\u00e6\u00f0ri peningam\u00e1lastefnu Se\u00f0labankans, \u00fe.e. me\u00f0 flj\u00f3tandi gengi og st\u00fdrivexti a\u00f0 vopni til a\u00f0 tryggja jafnv\u00e6gi, er eitt d\u00e6mi af m\u00f6rgum \u00e1 seinni \u00e1rum til marks um \u00feetta. A\u00f0ger\u00f0ir Se\u00f0labankans hafa magna\u00f0 hagsveifluna<\/b> \u00ed sta\u00f0 \u00feess a\u00f0 vinna gegn henni. H\u00e1ir vextir la\u00f0a a\u00f0 hr\u00e6gamma gjaldmi\u00f0labrasksins. Innstreymi erlends fj\u00e1rmagns, sem hefur h\u00e9r skamma vi\u00f0dv\u00f6l til a\u00f0 hir\u00f0a au\u00f0fenginn skyndigr\u00f3\u00f0a, hefur \u00fe\u00e6r aukaverkanir \u00ed hagkerfi, sem var \u00feegar fyrir utan \u00edtrasta \u00fean\u00feol, a\u00f0 h\u00e6kka gengi\u00f0. H\u00e1gengi langt umfram jafnv\u00e6gism\u00f6rk \u00fdtir undir ey\u00f0slu og \u00fe\u00e1 fyrst og fremst innflutning og eykur \u00fear me\u00f0 vi\u00f0skiptahalla og skuldsetningu<\/b>.<\/p>\nVitlaust forrit<\/h2>\n
Sj\u00e1lfur er Se\u00f0labankinn kominn \u00ed g\u00edslingu gjaldmi\u00f0labraskaranna. \u00deegar gr\u00f3\u00f0af\u00edklarnir for\u00f0a s\u00e9r me\u00f0 sinn skyndigr\u00f3\u00f0a, fellur gengi\u00f0. Gengisfelling kyndir undir ver\u00f0b\u00f3lgu og h\u00e6kkar grei\u00f0slubyr\u00f0i skuldara. \u00cd \u00feessum darra\u00f0ardansi eru upphafleg ver\u00f0b\u00f3lgumarkmi\u00f0 Se\u00f0labankans (2.5% me\u00f0 vikm\u00f6rkum til og fr\u00e1) fyrir l\u00f6ngu t\u00fdnd og tr\u00f6llum gefin. \u00c1hrifin eru \u00fever\u00f6fug \u00e1 vi\u00f0 yfirl\u00fdst markmi\u00f0.<\/p>\n
Vi\u00f0 \u00feessar a\u00f0st\u00e6\u00f0ur eru \u00fej\u00f3\u00f0r\u00edki me\u00f0 sj\u00e1lfst\u00e6\u00f0a gjaldmi\u00f0la unnv\u00f6rpum a\u00f0 leita skj\u00f3ls undan hr\u00e6g\u00f6mmum al\u00fej\u00f3\u00f0legra fj\u00e1rm\u00e1lamarka\u00f0a \u00ed myntbandal\u00f6gum. \u00deess sj\u00e1st merki v\u00edtt og breitt um heimsbygg\u00f0ina, ekki bara \u00ed Evr\u00f3pu heldur l\u00edka \u00ed S-Amer\u00edku, Afr\u00edku og As\u00edu. Jafnvel St\u00f3ra Bretland \u00feykir n\u00fa or\u00f0i\u00f0 vera \u00ed minnsta lagi sem sj\u00e1lfst\u00e6tt myntsv\u00e6\u00f0i, enda skemmst a\u00f0 minnast \u00feess \u00feegar ungverski gy\u00f0ingurinn, Soros, st\u00f3\u00f0 yfir h\u00f6fu\u00f0sv\u00f6r\u00f0um sterlingspundsins \u00ed vellukka\u00f0ri fyrirs\u00e1t \u00e1ri\u00f0 1992. Soros er sag\u00f0ur hafa stungi\u00f0 fj\u00f3rum millj\u00f6r\u00f0um sterlingspunda \u00ed vasann \u00feann daginn. \u00deetta var svartur dagur \u00ed s\u00f6gu breska heimsveldisins, sem minnir okkur \u00e1 a\u00f0 \u00feannig fer gjarnan um heimsins d\u00fdr\u00f0. Bandar\u00edki N-Amer\u00edku eru hins vegar tr\u00falega besta d\u00e6mi\u00f0 um r\u00f3tgr\u00f3i\u00f0 og \u00e1rangursr\u00edkt myntbandalag. Hva\u00f0 segir \u00feessi saga okkur? H\u00fan segir \u00feetta: Missir sj\u00e1lfst\u00e6\u00f0rar peningam\u00e1lastefnu og gjaldmi\u00f0ils vi\u00f0 r\u00edkjandi a\u00f0st\u00e6\u00f0ur \u00ed heiminum er ekki f\u00f3rnarkostna\u00f0ur heldur fengur; fremur hagr\u00e6\u00f0i en \u00f3hagr\u00e6\u00f0i. \u00d3var\u00f0ir gjaldmi\u00f0lar sm\u00e1r\u00edkja eru a\u00f0 ver\u00f0a eins og hvert anna\u00f0 gagnslaust g\u00f3ss fr\u00e1 li\u00f0inni \u00f6ld.<\/b><\/p>\n
Eitt af \u00fev\u00ed fr\u00e1leitasta sem sagt hefur veri\u00f0 um \u00fea\u00f0 ney\u00f0ar\u00e1stand, sem \u00cdslendingar standa n\u00fa frammi fyrir, me\u00f0 minnsta sj\u00e1lfst\u00e6\u00f0a gjaldmi\u00f0il \u00ed heiminum, er \u00feegar menn r\u00e9ttl\u00e6ta st\u00fdrivaxtah\u00e6kkanir Se\u00f0labankans me\u00f0 vi\u00f0br\u00f6g\u00f0um bandar\u00edska Se\u00f0labankans \u00ed t\u00ed\u00f0 Volcker (\u00ed forsetat\u00ed\u00f0 Carter og Reagan um og eftir 1980). Volcker spennti st\u00fdrivexti upp \u00e1 annan tug pr\u00f3senta og h\u00e9lt \u00feeim \u00fear b\u00fdsna lengi. \u00dea\u00f0 var \u00fe\u00e1 spurning um \u00fathald. H\u00e1ir st\u00fdrivextir \u00ed Bandar\u00edkjunum skilu\u00f0u \u00e1rangri af auglj\u00f3sum \u00e1st\u00e6\u00f0um: Dollarinn var heimsgjaldmi\u00f0ill; bandar\u00edskir l\u00e1ntakendur h\u00f6f\u00f0u ekki \u00ed \u00f6nnur gjaldmi\u00f0lah\u00fas a\u00f0 venda; og engin var \u00fear ver\u00f0tryggingin \u00e1 langt\u00edmal\u00e1num me\u00f0 f\u00f6stum v\u00f6xtum. St\u00fdrivaxtame\u00f0ali\u00f0 hreif \u00feess vegna \u00ed Bandar\u00edkjunum, \u00fe\u00f3tt \u00fea\u00f0 t\u00e6ki langan t\u00edma a\u00f0 virka.<\/p>\n
Vi\u00f0 n\u00faverandi a\u00f0st\u00e6\u00f0ur \u00ed heiminum og vi\u00f0 r\u00edkjandi a\u00f0st\u00e6\u00f0ur h\u00e9r \u00e1 landi er hins vegar gersamlega borin von a\u00f0 st\u00fdrivextir Se\u00f0labankans skili til\u00e6tlu\u00f0um \u00e1rangri. \u00deeir sem tr\u00faa \u00fev\u00ed enn hlj\u00f3ta a\u00f0 sitja uppi me\u00f0 \u00farelt forrit. Hin amer\u00edsk\u00e6tta\u00f0a bankakreppa hefur n\u00fa skoti\u00f0 loku fyrir e\u00f0lilega \u00fatl\u00e1nastarfsemi \u00edslensku bankanna. \u00dea\u00f0 er \u00feegar fari\u00f0 a\u00f0 b\u00edta. Kreppueinkennin eru auglj\u00f3s: \u00cd byggingastarfsemi, \u00e1 fasteignamarka\u00f0i og \u00e1 vinnumarka\u00f0i. Haldi l\u00e1nsfj\u00e1rlokunin \u00e1fram eru ke\u00f0juverkandi \u00e1hrif hennar au\u00f0rakin fram \u00ed t\u00edmann: St\u00f6\u00f0vun fj\u00e1rfestinga og framkv\u00e6mda, samdr\u00e1ttur \u00ed rekstri, f\u00e6kkun starfsmanna og vanskil \u00ed b\u00f6nkum. \u00de\u00e1 fer a\u00f0 styttast \u00ed grei\u00f0slu\u00ferot, gjald\u00ferot og eignamissi. \u00cd einu or\u00f0i sagt: Kreppu. Var einhver a\u00f0 tala um atvinnuleysi?<\/p>\n
Vi\u00f0 \u00feessar a\u00f0st\u00e6\u00f0ur er helst a\u00f0 l\u00edkja n\u00faverandi st\u00fdrivaxtastigi Se\u00f0labankans vi\u00f0 hry\u00f0juverkastarfsemi \u00ed hagkerfinu. Hven\u00e6r \u00e6tlar bankinn a\u00f0 koma s\u00e9r a\u00f0 verki vi\u00f0 a\u00f0 l\u00e6kka vexti? Og hversu hratt \u00e6tlar hann a\u00f0 gera \u00fea\u00f0 \u2013 til a\u00f0 hafa undan samdr\u00e1ttar\u00e1hrifunum?<\/p>\n
Ritstj\u00f3ri Morgunbla\u00f0sins er b\u00fdsna borubrattur vi\u00f0 \u00feessar a\u00f0st\u00e6\u00f0ur og fullyr\u00f0ir: \u201cVi\u00f0 getum leyst grunnvanda efnahagsl\u00edfsins \u00e1n \u00feess a\u00f0 ganga \u00ed Evr\u00f3pusambandi\u00f0 e\u00f0a a\u00f0 taka upp evruna.\u201d <\/i>(Mbl., lei\u00f0ari 10.05.08) \u00c9g er samm\u00e1la ritstj\u00f3ranum um \u00fea\u00f0 a\u00f0 vi\u00f0 ver\u00f0um sj\u00e1lf a\u00f0 leysa vandann. \u00dea\u00f0 ver\u00f0a ekki a\u00f0rir til \u00feess a\u00f0 taka af okkur \u00f3maki\u00f0. En \u00e9g tel fullreynt a\u00f0 t\u00e6ki\u00f0, sem vi\u00f0 h\u00f6fum hinga\u00f0 til notast vi\u00f0 fyrir v\u00f6ntun \u00e1 \u00f6\u00f0ru betra, \u00fe.e. sj\u00e1lfst\u00e6\u00f0 peningam\u00e1lastefna Se\u00f0labankans me\u00f0 minnsta gjaldmi\u00f0li \u00ed heimi \u2013 er \u00f3n\u00fdtt. Okkur er l\u00edfsnau\u00f0syn a\u00f0 skipta um t\u00e6ki. Eina t\u00e6ki\u00f0 sem tilt\u00e6kt er og hald er \u00ed er st\u00e6rra myntbandalag. Reynsla annarra \u00fej\u00f3\u00f0a, sem lent hafa \u00ed svipu\u00f0um l\u00edfsh\u00e1ska og vi\u00f0, sta\u00f0festa \u00feessa ni\u00f0urst\u00f6\u00f0u. N\u00fdjustu ranns\u00f3knir \u00e1 svi\u00f0i peningam\u00e1lahagfr\u00e6\u00f0i benda til hins sama.<\/p>\n
Ritstj\u00f3rinn \u00fearf ekki a\u00f0 hafa m\u00edn or\u00f0 fyrir \u00feessu, \u00fe\u00f3tt m\u00e9r hafi a\u00f0 v\u00edsu veri\u00f0 \u00feetta lj\u00f3st fyrir alll\u00f6ngu. Margir okkar bestu hagfr\u00e6\u00f0inga hafa fyrir l\u00f6ngu og \u00edtreka\u00f0 vara\u00f0 vi\u00f0, a\u00f0 hverju stefndi, \u00e1n \u00feess a\u00f0 \u00e1 \u00fe\u00e1 v\u00e6ri hlusta\u00f0. \u00dear hefur veri\u00f0 fremstur \u00ed flokki \u00deorvaldur Gylfason, pr\u00f3fessor, sem \u00edtreka\u00f0 vara\u00f0i vi\u00f0 yfirvofandi h\u00e6ttu\u00e1standi \u00ed t\u00e6ka t\u00ed\u00f0. Fleiri fr\u00e6\u00f0imenn hafa kve\u00f0i\u00f0 upp \u00far um \u00feetta, \u00fe\u00f3tt ekki s\u00e9u \u00feeir nafngreindir h\u00e9r. Forsvarsm\u00f6nnum \u00ed atvinnul\u00edfinu er n\u00fa langflestum loksins a\u00f0 ver\u00f0a \u00feetta lj\u00f3st. Fyrrverandi formanni Sj\u00e1lfst\u00e6\u00f0isflokksins, \u00deorsteini P\u00e1lssyni, er n\u00fa or\u00f0i\u00f0 \u00feetta lj\u00f3st. Fyrrverandi Se\u00f0labankastj\u00f3ra og fyrrverandi formanni Frams\u00f3knarflokksins, J\u00f3ni Sigur\u00f0ssyni, var \u00feetta fyrir l\u00f6ngu lj\u00f3st. N\u00fa hefur hann fundi\u00f0 kjark til a\u00f0 segja \u00fea\u00f0 berum or\u00f0um, opinberlega, eftir a\u00f0 hann losna\u00f0i \u00far \u00e1l\u00f6gum Se\u00f0labanka og stj\u00f3rnarsamstarfs. \u00dea\u00f0 er honum til hr\u00f3ss. M\u00e6ttu fleiri fara a\u00f0 hans ford\u00e6mi og koma n\u00fa \u00fat \u00far sk\u00e1pnum \u2013 \u00fev\u00ed betra er seint en aldrei. Hversu lengi eigum vi\u00f0 a\u00f0 b\u00ed\u00f0a enn eftir \u00fev\u00ed a\u00f0 \u00feeim sem n\u00fa r\u00e1\u00f0a h\u00fasum undir Sv\u00f6rtuloftum ver\u00f0i \u00feetta lj\u00f3st l\u00edka? \u00dea\u00f0 er ekki mikill t\u00edmi til stefnu. \u00dea\u00f0 er laukr\u00e9tt sem J\u00f3n Sigur\u00f0urson fv. Se\u00f0labankastj\u00f3ri segir: Allur frestur \u00e1 p\u00f3lit\u00edskri \u00e1kv\u00f6r\u00f0un \u00ed \u00feessu m\u00e1li er n\u00fa or\u00f0inn andst\u00e6\u00f0ur \u00fej\u00f3\u00f0arhagsmunum \u00cdslendinga.<\/p>\n
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\nH\u00e9r kemur a\u00f0 lokum l\u00edti\u00f0 d\u00e6mi um \u00fea\u00f0 a\u00f0 okkar bestu hagfr\u00e6\u00f0ingum var lj\u00f3st, hvert stefndi, um lei\u00f0 og vi\u00f0v\u00f6runarmerkin f\u00f3ru a\u00f0 blikka, s\u00ed\u00f0la \u00e1rs 2006. \u00deann 24. n\u00f3v. 2006 flutti Gylfi Zoega, hagfr\u00e6\u00f0ipr\u00f3fessor vi\u00f0 H\u00e1sk\u00f3la \u00cdslands, erindi \u00e1 m\u00e1l\u00feingi Al\u00fej\u00f3\u00f0a- m\u00e1lastofnunnar H\u00cd \u00fear sem r\u00e6tt var um st\u00f6\u00f0u \u00cdslands \u00ed samf\u00e9lagi \u00fej\u00f3\u00f0anna og tengsl vi\u00f0 \u00f6nnur Evr\u00f3pul\u00f6nd. Erindi Gylfa fjalla\u00f0i um breytt vi\u00f0horf til peningam\u00e1la: Sj\u00e1lfst\u00e6\u00f0a peningam\u00e1lastefnu, fj\u00e1rm\u00e1last\u00f6\u00f0ugleika og f\u00e1keppni. \u00c9g leyfi m\u00e9r a\u00f0 vitna \u00ed lokaor\u00f0 Gylfa \u00ed \u00feessu erindi:
\n\u201c\u00de\u00e6r breytingar sem or\u00f0i\u00f0 hafa \u00e1 hagkerfi \u00cdslands \u00ed kj\u00f6lfar samningsins um Evr\u00f3pska efnahagssv\u00e6\u00f0i\u00f0 hafa breytt forsendum mats \u00e1 \u00fev\u00ed, hversu eftirs\u00f3knarver\u00f0ur sj\u00e1lfst\u00e6\u00f0ur gjaldmi\u00f0ill og sj\u00e1lfst\u00e6\u00f0 peningam\u00e1lastefna er. Hagsveifla okkar l\u00edkist n\u00fa hagsveiflu evrusv\u00e6\u00f0isins meira en \u00e1\u00f0ur og vinnuafl flyst \u00ed meira m\u00e6li en \u00e1\u00f0ur \u00e1 milli landa. Sj\u00e1lfst\u00e6\u00f0 peningam\u00e1lastefna hefur ekki reynst vel \u00ed \u00feeirri hagsveiflu sem n\u00fa hefur n\u00e1\u00f0 h\u00e1marki og m\u00e1 f\u00e6ra r\u00f6k a\u00f0 \u00fev\u00ed a\u00f0 vaxtastefna Se\u00f0labankans hafi magna\u00f0 vi\u00f0skiptahalla, erlenda skuldas\u00f6fnun og h\u00e6ttuna \u00e1 fj\u00e1rm\u00e1la\u00f3st\u00f6\u00f0ugleika. Hins vegar hefur tilvist sj\u00e1lfst\u00e6\u00f0rar, fremur \u00f3st\u00f6\u00f0ugrar, myntar \u00fdmis konar \u00f3hagst\u00e6\u00f0 \u00e1hrif me\u00f0 \u00fev\u00ed a\u00f0 draga \u00far umfangi utanr\u00edkisvi\u00f0skipta og fj\u00e1rfestinga \u00fatlendinga og vernda \u00feannig f\u00e1keppnisst\u00f6\u00f0u innlendra fyrirt\u00e6kja \u00e1 heimamarka\u00f0i. Ver\u00f0lag ver\u00f0ur \u00fe\u00e1 h\u00e6rra og kaupm\u00e1ttur minni fyrir viki\u00f0.\u201d <\/i><\/p>\n
Sag\u00f0i \u00e9g ekki: A\u00f0ild a\u00f0 Evr\u00f3pusambandinu og upptaka evru \u00ed sta\u00f0 kr\u00f3nu er \u00far \u00fev\u00ed sem komi\u00f0 er st\u00e6rsta l\u00edfskjaram\u00e1l almennings \u00e1 \u00cdslandi \u00ed n\u00e1nustu framt\u00ed\u00f0.<\/p>","protected":false},"excerpt":{"rendered":"
Vi\u00f0 leysum (grunnvandann) ekki me\u00f0 \u00fev\u00ed a\u00f0 ganga \u00ed Evr\u00f3pusambandi\u00f0 og taka upp evru\u201d. (lei\u00f0ari \u00ed Mbl, 10.05.08)
\nM\u00e9r vitanlega hefur enginn vitiborinn ma\u00f0ur haldi\u00f0 \u00fev\u00ed fram a\u00f0 a\u00f0ild a\u00f0 Evr\u00f3pusambandinu s\u00e9 einhvers konar \u201callra-meina-b\u00f3t\u201d. \u2013 \u00c9g er hvorki komm\u00fanisti n\u00e9 frj\u00e1lshyggjuma\u00f0ur og tr\u00fai \u00fear af lei\u00f0andi ekki \u00e1 neinar patentlausnir. \u00c9g tr\u00fai hvorki \u00e1 \u00f3brig\u00f0ula forsj\u00e1 r\u00edkisvaldsins n\u00e9 heldur \u00e1 \u00f3skeikulleik hinnar \u00f3s\u00fdnilegu handar marka\u00f0arins. Allt fr\u00e1 d\u00f6gum syndafallsins hefur mannskepnan veri\u00f0 d\u00e6md til a\u00f0 vinna fyrir s\u00ednu daglega brau\u00f0i \u00ed sveita sins andlits. Vi\u00f0 munum \u00fev\u00ed \u00e1rei\u00f0anlega ver\u00f0a a\u00f0 sj\u00e1 sj\u00e1lfum okkur \u00e1fram farbor\u00f0a af eigin rammleik. \u00dea\u00f0 er vort daglega brau\u00f0. <\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[1,9],"tags":[],"class_list":["post-1096","post","type-post","status-publish","format-standard","hentry","category-allar_greinar","category-greinar_og_vidtol"],"_links":{"self":[{"href":"https:\/\/jbh.is\/index.php?rest_route=\/wp\/v2\/posts\/1096","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/jbh.is\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/jbh.is\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/jbh.is\/index.php?rest_route=\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/jbh.is\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=1096"}],"version-history":[{"count":2,"href":"https:\/\/jbh.is\/index.php?rest_route=\/wp\/v2\/posts\/1096\/revisions"}],"predecessor-version":[{"id":2907,"href":"https:\/\/jbh.is\/index.php?rest_route=\/wp\/v2\/posts\/1096\/revisions\/2907"}],"wp:attachment":[{"href":"https:\/\/jbh.is\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=1096"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/jbh.is\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=1096"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/jbh.is\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=1096"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}