Madam, – Look no further than Michael Fingleton’s €1 million bonus to understand the market valuation of Irish banking stocks and Ireland’s credit rating. For far too long in this little country of ours the attitude of those in positions of power and responsibility has been that if you have enough “neck” you can get away with anything. It’s time for us all to hold our political and business leaders – and ourselves – accountable and responsible. – Yours, etc,