Ireland's financial collapse was the fault of bankers, the IMF, the EU, regulators, politicians and auditors.
That's the official verdict of the man who's now in charge of the Eurozone's bailout fund.
Klaus Regling is giving evidence this morning at the Oireachtas Banking Inquiry.
He says the Government COULD have ensured a soft landing for the property market - but missed its chance.
Policies to counter-act the collapse "could have moderated the boom and cushioned the recession," he told the inquiry this morning.
"With a different a policy mix, perhaps a soft landing could have been possible.
"But instead, official policies and banking practices added fuel to the fire."
