Surely lawyers representing the claimants in the criminal complaint against Landsbanki would have had this workflow diagram explaining how the Equity Release scheme was perpetrated.

Conversely, if the scam was so obvious, we wonder why lawyers acting for Landsbanki, if we consider them professionally able to resist the appeal of abundant legal fees, did not take exception to this aberrant product sold tranquil risk-averse retirees who had achieved in life a dreamed aim: having no mortgage.

How come did they no spot a clear deception marked by such a noticeable violation of the laws and the morals?

More and more questions to the participants who still today…observe a total yet suspicious silence.