Dear author. You article is on point. Exactly what I was thinking last night. With respect to ABSA, they managed to amortize the loan at the agreed 1%. They used the loan to buy "GOVERNMENT" bonds with a yield of 16% and used the proceeds to write off bad debts. What an amazing instrument for a bailout. Our government of today can learn from this instrument and utilize it where necessary in other industries. What I would like you to assist me with is a list of points that made some investigators think that the bailout was unlawful.