Those who have the money to lend (not just the credit agencies)....if they don't believe us and our figures don't add up they won't lend cheaply, won't lend at all or call in their loans. It's not just Moody's and Fitch making it up Sean and we need to borrow the money from somewhere without the money tree. Western governemnts have borrowed to a point that is unsustainable on long term projections on pensions/healthcare, public sector wage bills, everything. You can't square that circle, states can't afford to spend when their credit runs out....Go and get your money tree if you want to carry on spending. It really doesn't grow on trees you know. And if we get rid of the 18% of direct tax FS contributes, the 1/3 of our imports it pays for on our already terrible Balance of Payments let a alone all the connected city business services from our global centre of excellence the we are going to Zimbabwe quicker than you can say Ireland. But, get rid of the scum bankers...of course, Yeah, right on.