\u201e Vi\u00f0 berum ekki a\u00f0eins \u00e1byrg\u00f0 \u00e1 gj\u00f6r\u00f0\u00adu\u00adm okk\u00adar, heldur einnig \u00fev\u00ed sem vi\u00f0 l\u00e1tum \u00f3gert.\u201c Moli\u00e9re.<\/p>\n\n\n\n
Eftir \u00e1 a\u00f0 hyggja telst \u00fea\u00f0 hafa veri\u00f0 vel til fundi\u00f0 hj\u00e1 Stein\u00adgr\u00edmi J. a\u00f0 panta se\u00f0la\u00adbanka\u00adstj\u00f3ra a\u00f0 l\u00e1ni fr\u00e1 kollega s\u00edn\u00adum, fj\u00e1r\u00adm\u00e1la\u00adr\u00e1\u00f0\u00adherra Nor\u00adegs.
\u00dear me\u00f0 vorum vi\u00f0 laus vi\u00f0 heim\u00adan\u00adfengin vensl og tengsl, sem valda hags\u00admuna\u00ad\u00e1\u00adrekstrum og opna fyrir laumu\u00adg\u00e1ttir fyr\u00adir\u00adgrei\u00f0slu og spill\u00ading\u00adar. Str\u00e1k\u00adur\u00adinn f\u00e9kk skyndi\u00adn\u00e1m\u00adskei\u00f0 \u00ed rekstri se\u00f0la\u00adbanka \u00e1 vegum se\u00f0la\u00adbanka\u00adstj\u00f3ra Nor\u00adegs. \u00dea\u00f0 reynd\u00adist vera g\u00f3\u00f0 hj\u00e1lp \u00ed vi\u00f0\u00adl\u00f6g\u00adum, \u00fe\u00f3tt skyndi\u00adhj\u00e1lp v\u00e6ri, \u00fev\u00ed a\u00f0 ma\u00f0\u00adur\u00adinn var aug\u00adlj\u00f3s\u00adlega vel verki far\u00adinn hag\u00adfr\u00e6\u00f0\u00adingur fyr\u00adir.<\/p>\n\n\n\n\n\n\n\n
Framundan voru m\u00e1n\u00adu\u00f0ir og miss\u00aderi milli heims og helju. En upp fr\u00e1 \u00fev\u00ed fer landi\u00f0 a\u00f0 r\u00edsa. Eftir a\u00f0 hafa fyr\u00adir\u00adgert \u00f6llu trausti alls sta\u00f0\u00adar, var landi\u00f0 teki\u00f0 inn \u00e1 gj\u00f6r\u00adg\u00e6slu\u00addeild A\u00fej\u00f3\u00f0a\u00adgjald\u00adeyr\u00adis\u00adsj\u00f3\u00f0s\u00adins (IM\u00adF). M\u00e9r leist satt a\u00f0 segja ekki \u00e1 blik\u00aduna vegna skelfi\u00adlegrar reynslu af kol\u00adrangri n\u00fdfrj\u00e1ls\u00adhyggjup\u00f3li\u00adt\u00edk sj\u00f3\u00f0s\u00adins \u00ed \u00fer\u00f3\u00adun\u00adar\u00adr\u00edkjum heims\u00adins \u00e1 und\u00adan\u00adf\u00f6rnum \u00e1ra\u00adtug\u00adum. IMF hefur a\u00f0 eigin s\u00f6gn komi\u00f0 vi\u00f0 s\u00f6gu \u00ed 136 kreppum hins kapital\u00ad\u00edska heims\u00adkerfis fr\u00e1 stofnun sinni upp \u00far seinna str\u00ed\u00f0i til \u00feessa dags. <\/p>\n\n\n\n
\u00dea\u00f0 kom m\u00e9r \u00fev\u00ed \u00fe\u00e6gi\u00adlega \u00e1 \u00f3vart, a\u00f0 \u00cdsland breytti IMF meira en IMF breytti \u00cdslandi. \u00de\u00e1 \u00e1 \u00e9g fyrst og fremst vi\u00f0, a\u00f0 IMF \u2013 \u00f6fugt vi\u00f0 fyrri stefnu \u2013 kom \u00feegar \u00ed sta\u00f0 \u00e1 \u201ecapi\u00adtal controls\u201c \u2013 gjald\u00adeyr\u00adis\u00adh\u00f6ft\u00adum. \u00dea\u00f0 var til \u00feess a\u00f0 fyr\u00adir\u00adbyggja fj\u00e1r\u00adfl\u00f3tta og til a\u00f0 for\u00f0a frekara geng\u00adis\u00adhruni. Og til a\u00f0 byggja upp samn\u00adings\u00adst\u00f6\u00f0u gagn\u00advart skyndigr\u00f3\u00f0a\u00adf\u00edklum, sem kenndir eru vi\u00f0 j\u00f6kla\u00adbr\u00e9f og snj\u00f3\u00adhengju. \u00deetta skipti sk\u00f6pum um fram\u00adhald\u00adi\u00f0. <\/p>\n\n\n\n
Anna\u00f0 sem skipti sk\u00f6pum og sann\u00ada\u00f0i, a\u00f0 \u00cdslend\u00adingar voru ekki me\u00f0 \u00f6llu heillum horfn\u00adir, var ney\u00f0\u00adar\u00adl\u00f6g\u00adin. \u00dear me\u00f0 voru bank\u00adarnir \u00fej\u00f3\u00f0\u00adn\u00fdttir \u2013 og \u00fea\u00f0 sem meira var \u2013 inn\u00adst\u00e6\u00f0ur spari\u00adfj\u00e1r\u00adeig\u00adenda voru settar \u00ed for\u00adgang hj\u00e1 \u00ferota\u00adb\u00faum g\u00f6mlu bank\u00adanna umfram hluta\u00adbr\u00e9fa \u2013 og skulda\u00adbr\u00e9fa \u2013 eig\u00adend\u00adur. \u00deetta \u00e1tti eftir a\u00f0 bjarga Ices\u00ada\u00adve, eins og s\u00ed\u00f0ar kom \u00e1 dag\u00adinn. Um \u00fea\u00f0 hefur veri\u00f0 fjalla\u00f0 r\u00e6ki\u00adlega (sj\u00e1 t.d. n\u00fdlega b\u00f3k m\u00edna: T\u00e6pitungu\u00adlaust, 3. hluti, kafli 11, \u201eHruni\u00f0 \u2013 orsakir og aflei\u00f0\u00adingar \u2013 \u00edslenska d\u00e6mi\u00adsagan\u201c bls. 278 og kafli 15: \u201eLei\u00f0 \u00cdslands \u00fat \u00far Hrun\u00adin\u00adu\u201c, bls. 313). Hver \u00e1tti frum\u00adkv\u00e6\u00f0i\u00f0 a\u00f0 \u00fev\u00ed a\u00f0 breyta me\u00f0 l\u00f6gum for\u00adgangs\u00adr\u00f6\u00f0un kr\u00f6fu\u00adhafa \u00ed \u00ferota\u00adb\u00fa\u00adin? \u00c9g hef or\u00f0 manna sem til \u00feekkja fyrir \u00fev\u00ed, a\u00f0 Ragnar \u00d6nund\u00adar\u00adson, fv. banka\u00adstj\u00f3ri, eigi hei\u00f0\u00adur\u00adinn af \u00fev\u00ed. S\u00e9 \u00fea\u00f0 r\u00e9tt, ver\u00f0ur hann a\u00f0 telj\u00adast me\u00f0al helstu vel\u00adgj\u00f6r\u00f0\u00adar\u00admanna \u00fej\u00f3\u00f0\u00adar\u00adinn\u00adar.<\/p>\n\n\n\n
Svo er \u00fdmsu vi\u00f0 a\u00f0 b\u00e6ta \u00fev\u00ed til sk\u00fdr\u00ading\u00adar, hvers vegna \u00cdsland n\u00e1\u00f0i s\u00e9r aftur \u00e1 strik fyrr og betur en nokkur ma\u00f0ur \u00feor\u00f0i a\u00f0 vona, \u00feegar \u00fatliti\u00f0 var s\u00f3t\u00adsvart \u00ed mi\u00f0ju Hrun\u00adi. \u00cdsland var eina land\u00adi\u00f0, \u00fear sem ger\u00advallt fj\u00e1r\u00adm\u00e1la\u00adkerfi\u00f0 var ein rj\u00fak\u00adandi r\u00fast. \u00dea\u00f0 \u00fe\u00fdddi, a\u00f0 hvort sem m\u00f6nnum (IMF \u00fear me\u00f0 tali\u00f0) l\u00edk\u00ada\u00f0i betur e\u00f0a verr, var \u00f3hj\u00e1\u00adkv\u00e6mi\u00adlegt a\u00f0 afskrifa skuldir \u00ed st\u00f3rum st\u00edl. \u00dea\u00f0 var ekki t\u00e6kni\u00adlega m\u00f6gu\u00adlegt a\u00f0 bjarga b\u00f6nk\u00adunum me\u00f0 \u00fev\u00ed a\u00f0 l\u00e1ta skatt\u00adgrei\u00f0\u00adendur borga t\u00f6p\u00adin, eins og gert var ann\u00adars sta\u00f0ar a\u00f0 kr\u00f6fu evr\u00ad\u00f3pska se\u00f0la\u00adbank\u00adans og IMF. Og fj\u00e1r\u00admagns\u00adh\u00f6ftin g\u00e1fu \u00fej\u00f3\u00f0\u00adr\u00edk\u00adinu samn\u00adings\u00adst\u00f6\u00f0u til \u00feess a\u00f0 semja um ni\u00f0\u00adur\u00adfell\u00adingu skulda, sem ella hef\u00f0i varla veri\u00f0 li\u00f0\u00adi\u00f0. <\/p>\n\n\n\n
Hvernig \u00e1tti a\u00f0 end\u00adur\u00adreisa bankana? R\u00edkj\u00adandi sko\u00f0\u00adun, bygg\u00f0 \u00e1 reynslu Skand\u00adin\u00adava fr\u00e1 banka\u00adkrepp\u00adunni \u00ed upp\u00adhafi 10nda \u00e1ra\u00adtugar 20stu ald\u00adar, var hin svo\u00adkall\u00ada\u00f0a \u201es\u00e6nska lei\u00f0\u201c. Sam\u00adkv\u00e6mt henni \u00e1tti a\u00f0 safna \u00f6llum \u201eeitr\u00adu\u00f0\u00adum\u201c l\u00e1num \u00ed vondan banka sem v\u00e6ri r\u00edk\u00adis\u00adrek\u00adinn og reyndi s\u00ed\u00f0an eftir bestu getu a\u00f0 inn\u00adheimta \u00fea\u00f0 sem \u00edn\u00e1\u00adan\u00adlegt var. \u00dear me\u00f0 v\u00e6ri restin af banka\u00adkerf\u00adinu komin me\u00f0 heil\u00adbrig\u00f0\u00adis\u00advott\u00ador\u00f0 til a\u00f0 \u00fej\u00f3na atvinnu\u00adl\u00edfi og heim\u00adil\u00adu\u00adm. <\/p>\n\n\n\n
\u00deetta hef\u00f0i ekki geta\u00f0 gengi\u00f0 \u00e1 \u00cdslandi. \u00c1st\u00e6\u00f0an er s\u00fa, a\u00f0 allt a\u00f0 70% fyr\u00adir\u00adt\u00e6kja voru t\u00e6kni\u00adlega gjald\u00ad\u00ferota. Hef\u00f0i \u00fev\u00ed \u00f6llu veri\u00f0 s\u00f3pa\u00f0 \u00ed \u201evond\u00adan\u201c banka, hef\u00f0i veri\u00f0 of l\u00edti\u00f0 afgangs til a\u00f0 end\u00adur\u00adreisa hag\u00adkerf\u00adi\u00f0. Vi\u00f0 \u00feessar kring\u00adum\u00adst\u00e6\u00f0ur hefur lei\u00f0in sem valin var \u2013 nefni\u00adlega a\u00f0 taka \u00f6ll \u00fatistand\u00adandi inn\u00adlend l\u00e1n og inn\u00adlendar inni\u00adst\u00e6\u00f0ur \u00ed n\u00fdja banka \u2013 reynst afar vel. Fr\u00e1\u00ads\u00f6gnin af \u00fev\u00ed, hvernig umsamd\u00adist, (sj\u00e1 bls. 248-51) er v\u00e6g\u00adast sagt \u00e6vin\u00adt\u00fdra\u00adleg. Og gefur \u00f6\u00f0rum \u00fej\u00f3\u00f0\u00adum, sem lenda \u00ed svip\u00adu\u00f0um sporum s\u00ed\u00f0\u00adar, eft\u00adir\u00adbreytni\u00advert for\u00add\u00e6mi.<\/p>\n\n\n\n
Ann\u00ada\u00f0, sem \u00cdslend\u00adingar ger\u00f0u \u00ed r\u00edkj\u00adandi ney\u00f0\u00adar\u00ad\u00e1\u00adstandi og er svo sann\u00adar\u00adlega \u00f6\u00f0rum \u00fej\u00f3\u00f0um til fyr\u00adir\u00admynd\u00adar, var a\u00f0 skipa rann\u00ads\u00f3kn\u00adar\u00adnefnd Al\u00feingis til a\u00f0 greina orsakir og aflei\u00f0\u00adingar Hruns\u00adins og skila ni\u00f0\u00adur\u00adst\u00f6\u00f0um um, hverjir b\u00e6ru \u00e1 \u00fev\u00ed \u00e1byrg\u00f0, \u00feannig a\u00f0 allir m\u00e6ttu af l\u00e6ra. Hitt er svo anna\u00f0 m\u00e1l, a\u00f0 Al\u00feingi og \u00feeir stj\u00f3rn\u00adm\u00e1la\u00adflokk\u00adar, sem \u00ed hlut eiga (Sj\u00e1lf\u00adst\u00e6\u00f0\u00adis-Fram\u00ads\u00f3kn\u00adar\u00adflokkur og SF undir lok\u00adin) hafa for\u00adsm\u00e1\u00f0 ni\u00f0\u00adur\u00adst\u00f6\u00f0ur nefnd\u00adar\u00adinnar og l\u00e1ti\u00f0 undir h\u00f6fu\u00f0 leggj\u00adast a\u00f0 gera upp vi\u00f0 for\u00adt\u00ed\u00f0 s\u00edna og \u00e1byrg\u00f0 \u00e1 Hrun\u00adin\u00adu. <\/p>\n\n\n\n
\u00dea\u00f0 var l\u00edka til fyr\u00adir\u00admyndar a\u00f0 setja \u00e1 stofn emb\u00ad\u00e6tti s\u00e9r\u00adstaks sak\u00ads\u00f3kn\u00adara til a\u00f0 l\u00f6g\u00ads\u00e6kja \u00fe\u00e1, sem sann\u00adan\u00adlega h\u00f6f\u00f0u gert sig seka um l\u00f6g\u00adbrot. Fyrir vik\u00adi\u00f0 eiga s\u00f6gu\u00adfals\u00adarar \u00f6gn erf\u00adi\u00f0\u00adara me\u00f0 a\u00f0 rang\u00adt\u00falka s\u00f6g\u00aduna. Og for\u00add\u00e6mi hafa veri\u00f0 sk\u00f6pu\u00f0 fyrir \u00fev\u00ed, a\u00f0 menn kom\u00adast ekki upp me\u00f0 hva\u00f0 sem er, \u00fear me\u00f0 talin l\u00f6g\u00adbrot \u00ed krafti au\u00f0s og valda.<\/p>\n\n\n\n
\u00deannig getum vi\u00f0 tali\u00f0 upp margt sem sk\u00fdr\u00adir, hvers vegna \u00cdsland n\u00e1\u00f0i s\u00e9r betur og fyrr en a\u00f0rar \u00fej\u00f3\u00f0ir \u00e1 strik eftir Hrun: Sj\u00e1lf\u00adst\u00e6\u00f0 pen\u00adinga\u00adstefna (\u00e1 manna\u00adm\u00e1li geng\u00adis\u00adfell\u00ading), ney\u00f0\u00adar\u00adl\u00f6g\u00adin, fj\u00e1r\u00admagns\u00adh\u00f6ft\u00adin, skulda\u00adaf\u00adskriftir \u00ed st\u00f3rum st\u00edl, engin banka\u00adbj\u00f6rgun \u00e1 kostna\u00f0 skatt\u00adgrei\u00f0\u00adenda, hag\u00adkv\u00e6mir samn\u00adingar um end\u00adur\u00adfj\u00e1r\u00adm\u00f6gnun banka\u00adkerf\u00adis\u00adins, sk\u00fdrsla rann\u00ads\u00f3kn\u00adar\u00adnefndar Al\u00feingis \u00e1 ors\u00f6kum Hruns\u00adins, s\u00e9r\u00adstakur sak\u00ads\u00f3kn\u00adari og sak\u00adfell\u00ading fj\u00e1r\u00adgl\u00e6fram\u00adanna. Fyrir utan heppni og hag\u00adst\u00e6\u00f0 ytri skil\u00adyr\u00f0i, eins og t.d. d\u00f3m EFTA-\u00add\u00f3m\u00adst\u00f3ls\u00adins um Ices\u00adave og marg\u00adf\u00f6ldun fer\u00f0a\u00admanna\u00adfj\u00f6ld\u00adans.<\/p>\n\n\n\n
En r\u00e9tt er a\u00f0 halda \u00fev\u00ed til haga, a\u00f0 anna\u00f0 t\u00f3kst mi\u00f0ur en skyldi.<\/p>\n\n\n\n
Eitt af \u00fev\u00ed var a\u00f0 hafa upp \u00e1 \u00fe\u00fdfi eig\u00adenda g\u00f6mlu bank\u00adanna. Um \u00feetta er fjalla\u00f0 \u00e1 bls. 247-249. \u00dear seg\u00adir:<\/p>\n\n\n\n
\u201eMe\u00f0al margra br\u00fdnna m\u00e1la r\u00e6ddum vi\u00f0, hvort vi\u00f0 \u00e6ttum a\u00f0 leita uppi \u00fe\u00e1 pen\u00adinga, sem helstu eig\u00adendur og stj\u00f3rn\u00adendur bank\u00adanna kynnu a\u00f0 hafa teki\u00f0 \u00fat \u00far b\u00f6nk\u00adunum r\u00e9tt fyrir Hrun. \u201eAllir st\u00f3ru bank\u00adarnir \u00e1 \u00cdslandi voru s\u00fdktir af l\u00e1na\u00adstarf\u00adsemi \u00fat \u00e1 vensl… oft hafa pen\u00ading\u00adarnir veri\u00f0 sendir \u00ed skatta\u00adskj\u00f3l \u00ed l\u00f6ndum \u00fear sem eign\u00adar\u00adhald er \u00f3gagn\u00ads\u00e6tt me\u00f0 \u00f6llu… \u00c9g m\u00e6lti me\u00f0 \u00fev\u00ed, a\u00f0 allt yr\u00f0i reynt. Fj\u00e1r\u00adm\u00e1la\u00adr\u00e1\u00f0\u00adherr\u00adann \u00ed Nor\u00adegi haf\u00f0i teki\u00f0 \u00e1 sl\u00edku til\u00adviki me\u00f0 \u00fev\u00ed a\u00f0 gera \u00fat elt\u00ading\u00adar\u00adleik, sem st\u00f3\u00f0 \u00ed \u00e1ra\u00adtug. S\u00e9r\u00adfr\u00e6\u00f0\u00ading\u00adarnir fengu greiddan hluta af \u00fev\u00ed, sem \u00feeir end\u00adur\u00adheimtu. Svo f\u00f3r, a\u00f0 digrir sj\u00f3\u00f0ir fundust\u201c (bls. 247).<\/p>\n\n\n\n
Svein Har\u00adald f\u00e9kk \u00feessu ekki fram\u00adgengt. Hann b\u00f3k\u00ada\u00f0i s\u00e9r\u00adst\u00f6\u00f0u s\u00edna og seg\u00adist enn var \u00feeirrar sko\u00f0\u00adun\u00adar, a\u00f0 \u00ferota\u00adb\u00fain hef\u00f0u \u00e1tt a\u00f0 gera meira til \u00feess a\u00f0 hafa uppi \u00e1 sj\u00f3\u00f0\u00adum, sem voru l\u00edk\u00adlega \u00ed fel\u00adum. \u00cd sta\u00f0 \u00feess a\u00f0 fara a\u00f0 \u00feessum r\u00e1\u00f0um, bau\u00f0 se\u00f0la\u00adbank\u00adinn s\u00ed\u00f0ar sl\u00edkum a\u00f0ilum upp \u00e1 s\u00e9r\u00adst\u00f6k vild\u00adar\u00adkj\u00f6r \u00ed \u00fev\u00ed skyni a\u00f0 f\u00e1 huldu\u00adf\u00e9\u00f0 heim. \u00dea\u00f0 er tr\u00fa\u00adlega umdeildasta \u00e1kv\u00f6r\u00f0un M\u00e1s Gu\u00f0\u00admunds\u00adsonar \u00e1 ann\u00adars far\u00ads\u00e6lum ferli hans. Enda hefur s\u00e1 gj\u00f6rn\u00adingur \u00e1n efa stu\u00f0la\u00f0 a\u00f0 vax\u00adandi \u00f3j\u00f6fn\u00adu\u00f0i \u00ed okkar sam\u00adf\u00e9\u00adlagi og var \u00fe\u00f3 ekki \u00e1 b\u00e6t\u00adandi.<\/p>\n\n\n\n
Slag\u00ador\u00f0i\u00f0 um \u201eskjald\u00adborg um hag heim\u00adil\u00adanna\u201c vakti \u00ed upp\u00adhafi v\u00e6nt\u00ading\u00adar, sem erfitt reynd\u00adist a\u00f0 standa vi\u00f0 me\u00f0 skil\u00advirkum og tr\u00fa\u00adver\u00f0\u00adugum h\u00e6tti. Umfj\u00f6llun h\u00f6f\u00adundar um \u00feetta vand\u00adme\u00f0\u00adfarna efni (bls. 283-86) er \u00f3full\u00adn\u00e6gj\u00adandi. Menn \u00fereif\u00adu\u00f0u sig \u00e1fram \u00ed myrkrinu: T\u00edma\u00adbundin st\u00f6\u00f0vun afborg\u00adana af geng\u00adis\u00adfelldum og ver\u00f0\u00adtrygg\u00f0um l\u00e1n\u00adum. \u00deak \u00e1 l\u00e1ns\u00adupp\u00adh\u00e6\u00f0 (110% af ver\u00f0\u00adtrygg\u00ading\u00adu). Umreikn\u00adingur geng\u00adis\u00adfelldra erlendra l\u00e1na \u00ed \u00edslenskar kr\u00f3nur \u00e1 upp\u00adhaf\u00adlegu gengi. S\u00e1 b\u00f6gg\u00adull fylgdi \u00fe\u00f3 skamm\u00adrifi, a\u00f0 \u00fer\u00e1tt fyrir a\u00f0 d\u00f3m\u00adst\u00f3lar hef\u00f0u d\u00e6mt \u00feessi l\u00e1n \u00f3l\u00f6g\u00adleg, var l\u00e1n\u00adtak\u00adendum refsa\u00f0 me\u00f0 aft\u00adur\u00advirkum se\u00f0la\u00adbanka\u00adv\u00f6xtum \u00e1 \u00feessum l\u00e1n\u00adum. Hv\u00ed\u00adl\u00edk stj\u00f3rn\u00ads\u00fdsla! Emb\u00ad\u00e6tti umbo\u00f0s\u00admanns skuld\u00adara var stofn\u00ada\u00f0. Er \u00fea\u00f0 ekki enn\u00fe\u00e1 me\u00f0 opna b\u00fa\u00f0? Loks er a\u00f0 geta lei\u00f0\u00adr\u00e9tt\u00adingar Sig\u00admundar Dav\u00ad\u00ed\u00f0s, sem banka\u00adskatt\u00adur\u00adinn \u00e1 hina end\u00adur\u00adreistu og \u00fej\u00f3\u00f0\u00adn\u00fdttu banka st\u00f3\u00f0 undir a\u00f0 hluta.<\/p>\n\n\n\n
En hver var \u00e1rang\u00adur\u00adinn? Erlendar kann\u00adanir s\u00fdna, a\u00f0 42% allra neyslu\u00adl\u00e1na renna til 20% hinna tekju\u00adh\u00e6stu, en 20% hinna tekju\u00adl\u00e6gstu eru a\u00f0eins me\u00f0 6% (sj\u00e1 bls. 285). Var \u00fatkoman h\u00e9r \u00e1 s\u00f6mu lund \u2013 tekju\u00adtil\u00adf\u00e6rsla til hinna tekju\u00adh\u00e6st\u00adu? <\/p>\n\n\n\n
Af \u00feessu til\u00adefni er s\u00e9r\u00adst\u00f6k \u00e1st\u00e6\u00f0a til a\u00f0 minna \u00e1 gagna\u00adgrunn Se\u00f0la\u00adbank\u00adans, sem Sveinn Har\u00adaldur segir eins\u00add\u00e6mi \u00e1 heims\u00adv\u00edsu. H\u00f6f\u00adund\u00adarnir er \u00deor\u00advar\u00f0ur Tj\u00f6rvi \u00d3lafs\u00adson (son\u00adar\u00adsonur Ein\u00adars Olgeirs\u00adson\u00adar, l\u00e6ri\u00adf\u00f6\u00f0ur m\u00edns \u00ed marx\u00adisma for\u00f0um daga), og Karenar \u00c1slaugar Vign\u00adis\u00add\u00f3tt\u00adur. \u00deetta er, a\u00f0 s\u00f6gn, \u201egagna\u00adgrunnur heim\u00adil\u00adanna \u00e1 lands\u00adv\u00eds\u00adu\u201c. \u00c1 bls. 281 seg\u00adir: \u201e\u00dearna er h\u00e6gt a\u00f0 sj\u00e1 g\u00f6gn um \u00fea\u00f0, hva\u00f0 ein\u00adstak\u00adlingur hefur \u00ed tekj\u00adur, einnig g\u00f6gn um skatta, l\u00e1n, yfir\u00addr\u00e1tt, fj\u00f6l\u00adskyldu\u00adst\u00e6r\u00f0 og \u2013 sam\u00adsetn\u00adingu, sta\u00f0\u00adsetn\u00adingu, ald\u00adur, l\u00edfs\u00adskil\u00adyr\u00f0i og h\u00fas\u00adn\u00e6\u00f0i\u201c o.s. frv. Enn fremur seg\u00adir, a\u00f0 unnt s\u00e9 a\u00f0 \u201el\u00edkja eftir \u00ed gagna\u00adgrunn\u00adin\u00adum\u201c aflei\u00f0\u00adingum Hruns\u00adins. \u00deetta \u00e1 vi\u00f0 um l\u00e6kkun geng\u00adis, ver\u00f0\u00adb\u00f3lgu, ver\u00f0\u00adlags\u00adh\u00e6kk\u00adan\u00adir, atvinnu\u00adleysi, breyt\u00adingar \u00e1 laun\u00adum, skatt\u00adlagn\u00adingu og b\u00f3tum og sveifl\u00adurnar \u00e1 fast\u00adeigna\u00admark\u00ada\u00f0n\u00adum. <\/p>\n\n\n\n
Spurn\u00ading: Me\u00f0 \u00feetta \u00fearfa\u00ad\u00feing \u00ed h\u00f6nd\u00adun\u00adum, hvers vegna t\u00f3kst ekki a\u00f0 koma fyr\u00adir\u00adhug\u00ada\u00f0ri hj\u00e1lp \u00ed vi\u00f0\u00adl\u00f6gum \u00e1 h\u00fas\u00adn\u00e6\u00f0\u00adis\u00admark\u00ada\u00f0num betur til skila til \u00feeirra, sem mest \u00feurftu \u00e1 a\u00f0 halda? \u00deetta \u00feurfa fr\u00e6\u00f0i\u00admenn a\u00f0 rann\u00adsaka ofan \u00ed kj\u00f6l\u00adinn. \u00cd \u00feessu sam\u00adhengi er vert a\u00f0 v\u00edsa \u00e1 rann\u00ads\u00f3kn Stef\u00ad\u00e1ns \u00d3lafs\u00adson\u00adar, pr\u00f3\u00adfess\u00adors, \u00e1 a\u00f0ger\u00f0um r\u00edk\u00adis\u00adstj\u00f3rnar J\u00f3h\u00f6nnu Sig\u00adur\u00f0\u00adar\u00add\u00f3ttur (2009-13) til a\u00f0 verja vel\u00adfer\u00f0\u00adar\u00ad\u00fej\u00f3n\u00adust\u00aduna \u00ed Hrun\u00adinu (sj\u00e1 Stef\u00e1n \u00d3lafs\u00adson, Mary Daly, Olli Kan\u00adgas og Joakim Pal\u00adme: Welfare and the Great Recession, O.U.P.)<\/p>\n\n\n\n
Hverjir eru synda\u00adsel\u00adirnir \u00ed \u00feess\u00adari s\u00f6gu? – s\u00e9\u00f0 me\u00f0 gl\u00f6ggum augum gests\u00adins. Me\u00f0 v\u00edsan til spak\u00adm\u00e6lis Moli\u00e9re, sem v\u00edsa\u00f0 var til \u00ed upp\u00adhafi, um a\u00f0 menn beri ekki bara \u00e1byrg\u00f0 \u00e1 gj\u00f6r\u00f0um s\u00ednum heldur l\u00edka hinu, sem \u00feeir l\u00e9tu \u00f3gert (van\u00adr\u00e6ksla), m\u00e1 draga \u00fe\u00e1 \u00ed tvo dilka: \u00cd fyrri h\u00f3pnum eru eig\u00adendur og stj\u00f3rn\u00adendur bank\u00adanna, mat\u00adstofn\u00adan\u00adirnar \u2013 og hinir \u00f3snert\u00adan\u00adlegu end\u00adur\u00adsko\u00f0\u00adendur \u2013 vegna \u00feess sem \u00feeir ger\u00f0u. \u00cd hinum h\u00f3pnum eru stj\u00f3rn\u00adv\u00f6ld, for\u00adystu\u00admenn r\u00e1\u00f0\u00adandi stj\u00f3rn\u00adm\u00e1la\u00adflokka og lyk\u00adil\u00admenn stj\u00f3rn\u00ads\u00fdsl\u00adunn\u00adar, sem og eft\u00adir\u00adlits\u00adstofn\u00adan\u00adirn\u00adar, se\u00f0la\u00adbanki og fj\u00e1r\u00adm\u00e1la\u00adeft\u00adir\u00adlit \u2013 fyrst og fremst vegna \u00feess sem \u00feeir l\u00e9tu \u00f3gert. Van\u00adr\u00e6ktu skyldur s\u00edn\u00adar.<\/p>\n\n\n\n
Sem \u00e9g skrifa \u00feessi or\u00f0 sk\u00fdst eft\u00adir\u00adminni\u00adleg tala upp \u00ed hug\u00adann \u2013 147. Hva\u00f0 er svona merki\u00adlegt vi\u00f0 hana? \u00dea\u00f0 er \u00feetta: Vitr\u00ading\u00adarnir \u00fer\u00edr, sem st\u00fdr\u00f0u rann\u00ads\u00f3kn\u00adinni \u00e1 ors\u00f6kum og aflei\u00f0\u00adingum Hruns\u00adins, yfir\u00adheyr\u00f0u 147 ein\u00adstak\u00adlinga vegna rann\u00ads\u00f3kn\u00adar\u00adinn\u00adar. \u00deetta voru menn og konur sem voru \u00ed for\u00adystu\u00adhlut\u00adverkum og b\u00e1ru \u00e1byrg\u00f0 \u00e1 hag lands og l\u00fd\u00f0s. For\u00adystu\u00admenn stj\u00f3rn\u00adm\u00e1la\u00adflokka, r\u00e1\u00f0\u00adherrar \u00ed lyk\u00adil\u00adhlut\u00adverk\u00adum, r\u00e1\u00f0u\u00adneyt\u00adis\u00adstj\u00f3r\u00adar, for\u00adst\u00f6\u00f0u\u00admenn Se\u00f0la\u00adbanka og fj\u00e1r\u00adm\u00e1la\u00adeft\u00adir\u00adlits, stj\u00f3rn\u00adendur fj\u00f6l\u00admi\u00f0la, fyrir n\u00fa utan h\u00f6f\u00adu\u00f0\u00adpaurana sj\u00e1lfa \u00ed b\u00f6nkum og vi\u00f0\u00adskipt\u00adum. Ekki einn ein\u00adasti \u00feeirra \u2013 alls eng\u00adinn \u2013 kann\u00ada\u00f0\u00adist vi\u00f0 a\u00f0 bera nokkra \u00e1byrg\u00f0 \u00e1 \u00f3f\u00f6r\u00adun\u00adum, hvorki me\u00f0 ger\u00f0um s\u00ednum n\u00e9 a\u00f0ger\u00f0\u00adar\u00adleysi. \u201eNot my depart\u00adment\u201c. \u00dea\u00f0 var svar\u00adi\u00f0. \u00deetta var allt saman ein\u00adhverjum \u00f6\u00f0rum a\u00f0 kenna. \u2013 Er \u00feetta ekki eft\u00adir\u00adminni\u00adleg\u00adasta lex\u00ed\u00adan?<\/p>\n\n\n\n
Hver var ni\u00f0\u00adur\u00adsta\u00f0\u00adan, a\u00f0 mati IMF, \u00feegar \u00cdsland loks losn\u00ada\u00f0i \u00far gj\u00f6r\u00adg\u00e6sl\u00adunni? Mark Flana\u00adgan, verk\u00adefn\u00adis\u00adstj\u00f3ri hj\u00e1 Al\u00fej\u00f3\u00f0a\u00adgjald\u00adeyr\u00adis\u00adsj\u00f3\u00f0n\u00adum, l\u00fdsir \u00fev\u00ed me\u00f0 eft\u00adir\u00adfar\u00adandi or\u00f0\u00adu\u00adm: <\/p>\n\n\n\n
\u201e\u00cds\u00adlandi hefur fari\u00f0 fram \u00e1 \u00f6llum \u00feeim for\u00adgangs\u00adsvi\u00f0\u00adum, sem sami\u00f0 var um. Allt \u00fea\u00f0 sem sam\u00adkomu\u00adlag var gert um, st\u00f3\u00f0st. \u00deegar um \u00e1grein\u00ading var a\u00f0 r\u00e6\u00f0a, l\u00e1gu b\u00e1\u00f0ar hli\u00f0ar m\u00e1ls\u00adins fyr\u00adir, og lausn fannst. \u00d6nnur l\u00f6nd sem fylgja \u00e1\u00e6tl\u00adun, segja j\u00e1, j\u00e1 og j\u00e1, en gera svo ekki neitt. \u00deannig var \u00fea\u00f0 aldrei \u00e1 \u00cdsland\u00adi\u201c. \u2013 H\u00e9r kve\u00f0ur heldur betur vi\u00f0 annan t\u00f3n um vinnu\u00adbr\u00f6g\u00f0 og verk\u00adlag \u00ed \u00edslensku stj\u00f3rn\u00ads\u00fdsl\u00adunni heldur en var a\u00f0 venj\u00adast fyrir Hrun.<\/p>\n\n\n\n
Gott og bless\u00ada\u00f0, svo langt sem \u00fea\u00f0 n\u00e6r. En hva\u00f0 m\u00e1 af \u00feessu l\u00e6ra? \u00dear er efst \u00e1 bla\u00f0i okkar \u00f3leysta eil\u00edf\u00f0\u00adar\u00advanda\u00adm\u00e1l \u2013 \u00edslenska kr\u00f3n\u00adan, \u00fat\u00feynnt og geng\u00adis\u00adfelld ad infinit\u00adum. Sta\u00f0\u00adgeng\u00adill henn\u00adar, ver\u00f0\u00adtrygg\u00ading\u00adar\u00adkr\u00f3n\u00adan, veltir allri \u00e1h\u00e6ttu okkar sveiflu\u00adkennda efna\u00adhags\u00adl\u00edfs yfir \u00e1 her\u00f0ar skuld\u00adara \u2013 breytir l\u00e1n\u00adtak\u00adendum \u00ed skulda\u00ad\u00fer\u00e6la, en sl\u00e6r skjald\u00adborg \u2013 ekki um heim\u00adilin \u2013 heldur um fj\u00e1r\u00admagns\u00adeig\u00adend\u00adur.\u00adLausnin \u2013 a\u00f0 ganga \u00ed Evr\u00ad\u00f3pu\u00adsam\u00adbandi\u00f0 og taka upp evru \u2013 er \u00fev\u00ed mi\u00f0ur ekki f\u00fdsi\u00adlegur kostur a\u00f0 sinni, a\u00f0 feng\u00adinni reynslu af hinum glat\u00ada\u00f0a \u00e1ra\u00adtug evru\u00adsv\u00e6\u00f0\u00adis\u00adins vegna getu\u00adleysis a\u00f0 f\u00e1st vi\u00f0 aflei\u00f0\u00adingar fj\u00e1r\u00adm\u00e1lakreppu. Hva\u00f0 segir reynsla norska se\u00f0la\u00adbanka\u00adstj\u00f3r\u00adans honum um \u00feessa r\u00e1\u00f0\u00adg\u00e1tu?<\/p>\n\n\n\n
\u201eSumir segja, a\u00f0 \u00cdsland kenni okkur gildi \u00feess a\u00f0 hafa sveigj\u00adan\u00adlegt gengi. \u00dea\u00f0 er a\u00f0 nokkru leyti r\u00e9tt. V\u00ed\u00f0\u00adt\u00e6k geng\u00adis\u00adl\u00e6kkun ver\u00f0ur til \u00feess a\u00f0 h\u00e6gt er a\u00f0 a\u00f0laga \u00ed einu lagi kostn\u00ada\u00f0\u00adar\u00adli\u00f0i ,sem ann\u00adars g\u00e6tu kalla\u00f0 \u00e1 m\u00f6rg hund\u00adru\u00f0 \u00e1kvar\u00f0\u00adan\u00adir, p\u00f3li\u00adt\u00edska \u00edhlut\u00adun, samn\u00adinga og \u00ferj\u00f3sku. Samt skal minnt \u00e1, a\u00f0 sveigj\u00adan\u00adleiki geng\u00adis\u00adins \u00e1tti mik\u00adinn \u00fe\u00e1tt \u00ed a\u00f0 skapa upp\u00adhaf\u00adlega vand\u00adann. Geng\u00adis\u00adl\u00e6kkun hef\u00f0i heldur ekki gagn\u00adast a\u00f0 r\u00e1\u00f0i, ef henni hef\u00f0i ekki veri\u00f0 fylgt eftir me\u00f0 fryst\u00adingu launa af h\u00e1lfu a\u00f0ila vinnu\u00admark\u00ada\u00f0\u00adar\u00adins\u201c (sj\u00e1 bls. 396-7).<\/p>\n\n\n\n
\u00deetta er vand\u00adinn \u00ed hnot\u00adskurn. Hann er \u00f3leyst\u00adur. \u00dear til lausnin finn\u00adst, ver\u00f0um vi\u00f0 a\u00f0 vona, a\u00f0 g\u00e1fna\u00adlj\u00f3sin \u00ed pen\u00adinga\u00adstefnu\u00adnefnd geti haldi\u00f0 okkar veik\u00adbur\u00f0a fleyi \u00e1 floti.<\/p>\n\n\n\n
\u00deegar til lengri t\u00edma er lit\u00adi\u00f0, er lj\u00f3st hva\u00f0 vant\u00adar, a\u00f0 mati Sveins Har\u00adalds til \u00feess a\u00f0 lang\u00ad\u00fer\u00e1\u00f0ur draumur okkar um st\u00f6\u00f0\u00adug\u00adleika til fram\u00adb\u00fa\u00f0ar geti r\u00e6st. Gefum Sveini Har\u00adaldi loka\u00ador\u00f0in (bls.384):<\/p>\n\n\n\n
\u201e\u00dea\u00f0 liggur lj\u00f3st fyrir hva\u00f0 vant\u00adar, svo a\u00f0 v\u00f6xtur ver\u00f0i st\u00f6\u00f0\u00adugur og sj\u00e1lf\u00adb\u00e6r: fj\u00f6l\u00adbreytni \u00ed fram\u00adlei\u00f0slu\u00adi\u00f0n\u00ada\u00f0i, aukna sam\u00adkeppni, \u00e1kve\u00f0na pen\u00adinga\u00adstefnu, sk\u00fdr\u00adari tekju\u00adsta\u00f0la og a\u00f0hald \u00ed r\u00edk\u00adis\u00adfj\u00e1r\u00adm\u00e1l\u00adum, l\u00edk\u00adlega me\u00f0 st\u00f6\u00f0\u00adug\u00adleika\u00adsj\u00f3\u00f0 r\u00edk\u00adis\u00adins til \u00feess a\u00f0 k\u00f3r\u00ad\u00f3na allt sam\u00adan. \u00cdsland \u00fearf meira \u00e1 sl\u00edku a\u00f0 halda en \u00f6nnur r\u00edk\u00adi. Hvert ver\u00f0ur gengi\u00f0 eig\u00adin\u00adlega, \u00feegar s\u00ed\u00f0\u00adasti fer\u00f0a\u00adma\u00f0\u00adur\u00adinn h\u00e6ttir vi\u00f0 a\u00f0 kom\u00ada\u201c?<\/p>\n\n\n\n
H\u00f6f\u00adundur er fyrr\u00adver\u00adandi utan\u00adr\u00edk\u00adis\u00adr\u00e1\u00f0\u00adherra. <\/em><\/p>\n","protected":false},"excerpt":{"rendered":" J\u00f3n Baldvin Hannibalsson skrifar um n\u00fdja b\u00f3k eftir Svein Harald \u00d8ygard: \u00cd v\u00edgl\u00ednu \u00edslenskra fj\u00e1rm\u00e1la. \u00deetta er seinni grein af tveimur. Fyrri grein<\/a>.<\/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-2455","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\/2455","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=2455"}],"version-history":[{"count":6,"href":"https:\/\/jbh.is\/index.php?rest_route=\/wp\/v2\/posts\/2455\/revisions"}],"predecessor-version":[{"id":2585,"href":"https:\/\/jbh.is\/index.php?rest_route=\/wp\/v2\/posts\/2455\/revisions\/2585"}],"wp:attachment":[{"href":"https:\/\/jbh.is\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=2455"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/jbh.is\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=2455"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/jbh.is\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=2455"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}