Equity Release for UK Home Owners was also publicized for Inheritance Tax mitigation purposes, supposedly in compliance with English tax laws on the matter. But was it also a time-bomb, like the Spanish devious taxman depicted is openly warning us all?

How come no Spanish bank ever offered such a revolutionary product to national taxpayers?

Did they know something the very clever Luxembourg-based Scandinavians milking hard-working Spanish-based British expats missed?

Were Spanish banks so inept at marketing that Rothschild had to fly out to teach them a few things on successful new-product launching?