Gylfi r\u00e1\u00f0herra svarar \u00feessu upp \u00e1 kilj\u00f6nsku \u00e1 \u00feann veg, a\u00f0 hann geti ekki undan\u00feegi\u00f0 \u201cvont f\u00f3lk\u201d fr\u00e1 stj\u00f3rnarskr\u00e1rv\u00f6r\u00f0um \u201ceignar\u00e9tti s\u00ednum\u201d. Skuldabr\u00e9f eru sem s\u00e9 skuldabr\u00e9f. Eigandi skuldabr\u00e9fs, sem MARKA\u00d0RUINN hefur ver\u00f0fellt, hefur ekki veri\u00f0 sviptur neinum eignar\u00e9tti. Hann t\u00f3k \u00e1h\u00e6ttu og tapa\u00f0i. \u00dea\u00f0 er l\u00f6gm\u00e1l marka\u00f0arins.
\n\u00de\u00f3tt sp\u00e1kaupma\u00f0urinn kaupi hundra\u00f0kr\u00f3nubr\u00e9f fyrir t\u00fakall \u00e1 MARKA\u00d0NUM , er hi\u00f0 l\u00f6gfr\u00e6\u00f0ilega sj\u00f3narmi\u00f0 eftir sem \u00e1\u00f0ur, a\u00f0 hinn upphaflegi samningur (\u201ccontract\u201d) haldi gildi s\u00ednu \u2013 \u00fe\u00f3tt heimurinn hrynji og MARKA\u00d0URINN segi allt anna\u00f0. Hinga\u00f0 til hafa hagfr\u00e6\u00f0ingar hallast a\u00f0 \u00fev\u00ed, a\u00f0 handafl stj\u00f3rnvalda komi fyrir l\u00edti\u00f0, ef \u00fea\u00f0 er \u00ed bl\u00f3ra vi\u00f0 ver\u00f0myndun MARKA\u00d0ARINS. MARKA\u00d0URINN bl\u00edvur.<\/p>\n\n\n\n\n\n
Ungfr\u00fa L\u00edsa t\u00f3k a\u00f0 s\u00e9r a\u00f0 \u00fatsk\u00fdra \u00feessa l\u00f6gfr\u00e6\u00f0i fyrir D\u00edsu Bach. \u00c9g geri enga athugasemd vi\u00f0 l\u00f6gfr\u00e6\u00f0ina. \u00c9g geri bara athugasemd vi\u00f0 tvennt: \u00cd fyrsta lagi voru g\u00f6mlu bankarnir, \u00edslensku, einkafyrirt\u00e6ki sem f\u00f3ru \u00e1 hausinn. \u00deeir eru n\u00fana \u00ferotab\u00fa undir r\u00e1\u00f0stj\u00f3rn skiptar\u00e1\u00f0enda. \u00dea\u00f0 eru nokkrir hlutir alveg \u00e1 hreinu var\u00f0andi g\u00f6mlu bankana \u2013 meira a\u00f0 segja l\u00edka l\u00f6gfr\u00e6\u00f0ilega. \u00deeir voru einkabankar, ekki r\u00edkisbankar.<\/p>\n
\u00deeir nutu ekki r\u00edkis\u00e1byrg\u00f0ar. \u00deeir voru \u00e1h\u00e6ttus\u00e6knir fj\u00e1rfestingarsj\u00f3\u00f0ir, sem s\u00f6kktu s\u00e9r \u00ed skuldir. Skuldir bankanna voru \u00e1 \u00e1byrg\u00f0 hluthafa \u00feeirra, ekki r\u00edkisins. \u00dea\u00f0 er af \u00fev\u00ed a\u00f0 \u00feeir voru einkav\u00e6ddir \u00e1 s\u00ednum t\u00edma \u2013 \u00fear me\u00f0 f\u00e6r\u00f0ist \u00e1byrg\u00f0in af r\u00edkinu til eigenda \u00feeirra. Eigendur \u00feeirra t\u00f3ku mikla \u00e1h\u00e6ttu og gr\u00e6ddu miki\u00f0. \u00deeir ur\u00f0u ofurr\u00edkir. S\u00e1 gr\u00f3\u00f0i er falinn \u00ed fl\u00f3knum vef eignarhaldsf\u00e9laga, utan \u00edslenskrar skattheimtu og l\u00f6gs\u00f6gu. Eftir stendur: Alveg eins og gr\u00f3\u00f0inn var einkav\u00e6ddur, \u00e1 tapi\u00f0 a\u00f0 vera einkav\u00e6tt. \u00cdslenska r\u00edki\u00f0, \u00edslenskir skattgrei\u00f0endur, \u00edslenskur almenningur \u00e1tti ekki \u00feessa banka, stofna\u00f0i ekki til skulda \u00feeirra, bar ekki \u00e1byrg\u00f0 \u00e1 rekstri \u00feeirra og \u00e1 ekki a\u00f0 sitja uppi me\u00f0 skuldir \u00feeirra.<\/p>\n
L\u00f6gfr\u00e6\u00f0iskruddan kve\u00f0ur \u00e1 um, a\u00f0 skuldabr\u00e9f s\u00e9 skuldabr\u00e9f. Hagfr\u00e6\u00f0iskruddan kennir, a\u00f0 ver\u00f0 sl\u00edkra br\u00e9fa r\u00e1\u00f0ist endanlega \u00e1 MARKA\u00d0NUM. Ef MARKA\u00d0URINN ver\u00f0fellir br\u00e9fin \u2013 \u00fe\u00e1 er f\u00e1tt anna\u00f0 um \u00fea\u00f0 a\u00f0 segja en \u201cso be it.\u201d Ef \u00edslenska r\u00edki\u00f0 \u00e6tlar \u00ed nafni umbj\u00f3\u00f0enda sinna, \u00edslenskra skattgrei\u00f0enda, a\u00f0 eiga vi\u00f0skipti vi\u00f0 kr\u00f6fuhafa g\u00f6mlu bankanna ( \u00feessa sem keyptu hundra\u00f0 -kr\u00f3nu-br\u00e9fin \u00e1 t\u00fakall) , \u00fe\u00e1 \u00e6tlumst vi\u00f0 til \u00feess, a\u00f0 \u00feau vi\u00f0skipti fari fram \u00e1 marka\u00f0sver\u00f0i. Ella v\u00e6ri r\u00edki\u00f0 a\u00f0 l\u00e1ta spek\u00falanta (\u201cvonda f\u00f3lki\u00f0 hans Gylfa\u201d) hafa \u00edslenska skattgrei\u00f0endur a\u00f0 f\u00e9\u00fe\u00fafu. \u00dea\u00f0 er ekki fl\u00f3knara en \u00fea\u00f0.<\/p>\n
Umbj\u00f3\u00f0endur vi\u00f0skiptar\u00e1\u00f0herra, \u00edslenskur almenningur og skattgrei\u00f0endur, b\u00ed\u00f0a eftir svari.<\/p>\n