The blame for the rise in mortgages is ZP

Well, the truth is the ZP say that as well and the government have nothing to do with the increases / decreases in the Euribor, in everything else, because they do not do so well, but good in March we will see if they have done well for the majority or not.

Happy new year to all of us in this blog / forum economy, which increasingly are more and better, but economics does not understand a shit, it said, happy exit and entry of the year, I do not like, I have revision in January , To see if they use the Euribor November, but December, I will make the cost of still more steep in January, SalU2

s

Well, I am among those who believe that the shoe is to blame for many of the things that are happening in this country aunq we are in the champions league as the economy says, is not the be ... and your pocket, because the Spaniards are suffering as never before in all aspects ... I hope that in March we are a little Spaniards How ready if I do not see a future but very very black q based on mortgages and throughout aunq the government is not directly related to estas.Saludos ...

The Spaniards are suffering (it is a mean, as some people prefer to live in debt and a higher level to which it belongs by his income) because that is what we want (or so it wants the majority of society).
Overhang of our society and live a day is what we chose together.

Let in a country, 98% of mortgages are variable rate based on the Euribor is irresponsible. It is unique in Europe.

A scenario with a high or very high Euribor was always a possibility. Is the risk that carries a variable rate mortgage. The definition of the Euribor is not a low interest rate, is an interest rate that fluctuates and you can be a 2% or 10% depending on the economic situation.

And that the politicians are to blame for the banks to stop deceiving the people because if you have some common sense and some balls, it should be regulated to protect people but apparently not interested people to present government, only interested in staying at power to the entire cost, saying that all is well when the situation is getting worse Spain.

I am among those who think like Laurent, ZP only think of power and not on its citizens. The power is very bad, they say all kinds of lies to mask reality. Regulating to protect ourselves and stop saying that Spain is doing well. Now give a couple of things in a more electioneering and without common sense and then 4 more years. Power, power.

I wish you happy holidays and a stable 2008 for all.

Well, gentlemen, ZP is to blame for this and more ... (because that Menuda nonsense ...)
The situation of job insecurity is the fault of the Spaniards, we have a right to strike "super-protected" better protected than in any other place, but of course, nobody is pointing to the strikes, the sectors with a high Membership and monitoring Strikes are the best treatment is, for example, pilots of Iberia, mining (early retirement is at age 40 now) ...
If a strike would take follow-up of more than 95% of the staff ... and then veríais as improve the conditions of all
Another aspect of culture (which fortunately is changing), is that each person has a unique job in that company and put his career, that's bad, because you will not have to leave work to look for another better, so when you go to ask for a rise, you're going with a letter of dismissal and tell me get the salary and grade, if you said no, because he filed his letter of resignation and are you going to charge more to another company ... so simple, if not got another job in the chamber, if the answer is no, then you have to be.
For me the blame for problems in the payment of mortgages is clearly the income of Spaniards and the increase in the price of flats (here come several factors)
a greeting

Hello,

When will it could indicate whether through this spreadsheet to compute the Euribor daily, weekly and monthly and how? Or if you are already reflected in what box.

http://www.euribor.org/html/download/euribor_2007B.xls

Thank you

Holder today in the Vanguard
"INCREASING PRESSURE ON INFLATION
Regulated prices climb double the expected CPI "
IF this is the fault of Zapatero. If he leaves, which regulates the prices go up more than double the expected CPI increases inflation and hence the ECB has to raise rates. Because the ECB is set in the middle and if inflation got us something much influence on the average.

Good morning everyone:

That a large majority of Spaniards ailment rising interest rates to the Spanish government is yet more evidence of the dangerous and alarming financial and economic ignorance of the Spanish media, he does not know nor want to know how the system works in which he lives. Another equally alarming example is the usual confusion between Government and State.
This direct connection to what he says Laurent # 6, which in its second paragraph reads, in my view, a half-truth. While the government allows banks to do and undo pleasure, the primary responsibility for a customer to sign something with a bank is the customer. And the only person responsible is the absolute ignorance of the client.
Today more than ever, we are in the information society, and it is our responsibility to be informed and to date, particularly that which affects us directly.
However, I must say that I agree that the government has to regulate it when things are not going well, but we know that interventionism in certain subjects by the public authorities are anathema to many. It is already known: "the market is regulated alone." The consequences of paying the usual.

A greeting to all.

Good Morning, Vietnam.

# 6 Laurent, if banks are deceiving us is our fault, that we are older. We do not know or tell us to claim our rights. 90% of the mortgage are not aware that differential. And they can blame any government for its ills, we are responsible.
I've said several times, neither vote nor to vote PSOE or PP.
Almost all politicians believe in power.
The banks are not sisters of charity, are companies that want to make money, regardless of your lives. As much as you smile, just want your money. Is the new slavery.

Student got quite right.

CLOPEZ, today you have bundled with this item.

Sorry, we DO NOT ENTER UNTIL MONDAY.
See you later.

To # 9, official
You know managing a spreadsheet?
Because if you do not know it's hard esplicarte how to do it from here.
On the road you mention are the Euribor historical data from the January 1, 2007.
You just have to do a summation of what interests you and divide it by the days you've got tenrás and the average weekly or monthly either because the newspaper is already on the road.
A greeting

Thanks Juan Antonio,

it will use the excel, which is what I do not know the boxes are to be used in the accounts, because for each day are 16 different values.

Could you indicármelo?

What on this, but now confirmed this:
70% of the españolitos are stupid (and I thought I had more ...)
Diosss that lack of information / culture ... now that I am not strange, with "ready" to have gotten into mortgages that they could not pay and are still vendiedo floors to astronomical prices.
It is clear that in this country we are as we are and what we deserve (story can not buy)
As the song said: "blame everything has Yoko Ono ..."
Beijos.
PS: The builders are still in free fall in stock market
http://www.invertia.com/empresas/empresa.asp?idtel=RV011COLONIA

# 14, Officer
That there is only set at the last column that corresponds to the annual Euribor.
A box appears in the title of 12M.
The challenge match in order to 1 week 2 weeks 3 weeks 1 month 2 months 3 ... ... ... well until 12 months.
Your use of only the 12 months that are the most recent data, for example 27/12/2007 has the courage to 4786
I think habertelo clarified
a greeting

But you are saying? The Spaniards signed mortgages with fixed or variable, there is no law that compels him to sign a non-variable.

Auriga said as the financial culture that there is little we allow ourselves to advise on what "commercial bank" that what we watch is his own benefit.

Moreover, when the PP was not ruled signed mortgages to fixed or variable ????, I do not support one or the other because as I said we are in a corral in which we are fighting cocks and politicians so that we azuzan fight in a war they see from the trenches with his good sueldazos and also missing the congress and no one will put it off or lack of salary.

What a thing ... when I went to buy my first kitchen had no idea of furniture and end at 4 visiting homes and asking me I did everything a budget expert at qualities such as appliances, and with TV, with the car, etc. ...

That's why I recommend that when you go to buy a flat do the same thing, information, information, information, and then do not go there by the fact blame your impatience to sign to the other, they may be called as call ...

Juan Antonio thank you very much.
Season Greetings

Auriga and kokito, Solvent, take what you want,! Agree completely with your comments!, The consumption pagais you that this comes out that the Euribor and oil going up the angliru.

I always try to explain the same thing, if we are indebted to the ears and the thing is ugly ... "is to blame it on whoever is" anything but acknowledge that we are wrong,
That is called a pride.

Above is going to have Icemal reason, there is a lot of lamb.

Hello,

not be as sharp as # 15, Mi007, I opt more for what it says # 11, charioteer: this survey shows that 70% (according to the survey) of Spaniards have an alarming financial ignorance.

But not all. For comments that are read in this forum, people signing mortgages without nisiquiera read. How but explained that people do not know who or what have differential value of the Euribor is applied in the review? When we signed our mortgage (well, before signing PDE) asked him to the bank before the signing that I left a copy of the deed to hear what he had to sign. And were surprised, because nobody is asking.

What is the fault of ZP sounds like a slogan of the PP, but in the end I keep asking for the creation of EURIBOR
On the other side to blame the problem of mortgages is nothing that the ignorance of many.
A real case, a friend had asked me to speak of the mortgage information and doubted between a bank and a box, but the cash paid just under a month so I would with them. We summarize the difference:

Bank: +0.60 E, 0.5 aperture, the other a 0. No commission of account and € 20 per year on cards.
Housing: +0.80 E, 1 opening, part of 0.5, 1 total. No commission of account and € 30 per year on cards.

He had made the offer with the Euribor two different months, so the box Salia cheaper (clear that this would only be 1 year, and the other 39 what?). So I sign with the box for being less a month, we'll try and explain to me branded as crazy as it was going to be paying more in the bank if it was better.

Moral: the main culprit of all is our ignorance.

And certainly seen that here like cars, I bought a Megane 1.5d (100CV) with air conditioning, two years, 29,000 km of 12,000 €. Entry € 2,000 and € 10,000 to 4% in "cash chips". What do you think the operation?

I am against a lot of you!

pq is the government that protect those who want to earn more money and more money are unable to pay now? pq must be protected to that when signing a mortgage do not know what they signed? pq we must protect those who are buying a house if only 250,000 won 1200? decisions are taken by one, when it goes well no one asks protection, no? because life is like the stock market, you can win a lot of pasta in a day but the tb can lose, nobody will protect you when you invert!

I see that my gift of kings is approaching! puntito half for arribaaaa! Thanks Trichet, booties or ZIP ...
I am one of those who read and think about it, and that's why I do not have time for floor.
A couple (who in a short period was severed) can not live in a flat salary of 240,000 with 1200, CAN NOT BE! but it seems that there are many that if they see that it is possible! because that goes to the rescue your family, and ready, do not worry me so much of the Euribor, I worry more about the couple that you can do fluctuate income by 50%, and today is the order of the diaaaaa
au!

The blame for this Euribor, which is still moderate are not you forget, is the global economic situation, in which the banks are not relying each other and lend at a rate even moderate stress. That no one would forget that the rate should be 3 points above inflation.

However, ZP and the PP in the previous term (which are two of incompetent noses) Yes is to blame for the piece of real estate bubble we are experiencing. That no one would forget that in every transaction of flats, the state gets a bite of several millions in taxes and capital gains. With these millions, then you can go the political shift boasting of economic miracle, the M30, accounts sound and Champions League in the economy ... but we are all paying our mortgages (thankfully I have not got it, but I will touch enter in the circle soon).

And I wonder: Why are one of the countries of the Old Continent with lower productivity if we work until 9 pm in many cases? Why have brains capable of doing great things we have to buy cars and electronics to Japan and USA? Where is the R & D in this country? With that did not win votes.

Now you know: On March 9, either PP or PSOE, which are a bunch of incompetent (no race in many cases, appointed a finger).

Hello,

"# 19, Indigena
Above is going to have Icemal reason, there is a lot of lamb.
I always try to explain the same thing, if we are indebted to the ears and the thing is ugly ... "is to blame it on whoever is" anything but acknowledge that we are wrong,
That is called a pride. "

The only nuance that I can make this point is not to blame anyone, but is always blame (or responsibility if you ask) to the government of the day. As happened with the scandal of the PSV-UGT, FORUM-AFINSA ... The last and most funny, but no less regrettable, it is plain that that's a scam is not how many people to invest in his company of hams, and that if the investment went wrong they returned the money in the form of hams. And people invested!

70% of Spaniards will be stupid but we are not in a democracy census. Put another way of a fool's vote has the same value as that of a smart. So Zapatero should take nota.Mas 60% of Spaniards are mortgaged. The raw materials are rising probably the Euribor continue its escalation.

Hello,

# 23 for drowsy: productivity has nothing to do with the number of hours worked, but with the use of them.

With the previous government, I would argue that only mattered that the economy was good, and then social issues were secondary things. The present government has given importance to social issues, and has forgotten the economy. Zp is guilty of ignoring the economy, it is obviously not the Euribor.

Indeed, in something if they agree ZP and PP (which are equally incompetent): In topple education.

Each time is less studied mathematics in high school and more chorradita varies. With this education, the average citizen is exposed to a world of sharks like we have. For its citizens since the wealthy do not send their children to these "schools" ... But we have a country of tombola and Big Brother, which consider becoming worth less, a country where a bricklayer earns twice as much as a graduate . With this background, to whom he was going to study? Result: Exposure to sharks and deception.

The latest deception of this misrule: down taxes because they lose 1% of personal income tax. The fine print is that they are thinking of raising indirect tax (VAT). Thus, Alejandro Sanz paid the same as me (because VAT does not discriminate the rich from poor) ...

In the end, without education, we are both sheep to wolf down.

And I thought that that half of the Americans were stupid to get out bush and it turns out that 70% of Spaniards are retarded, q must see ...

For Circular # 26:

Indeed, it was a rhetorical question, with a certain ironic tone.

Indeed, in this country are working long hours (or spend long hours at work), but there is nothing you can collect expensive abroad. The floors are not exported. The vegetables themselves, but they are cheaper than cars and electronics we import. Governments do not stop to understand that only the R & D is able to increase productivity.

Fixed in pelotazo that would extract biofuel from algae:

http://biofuel-de-algas.blogspot.com/2007/06/el-peridico-el-mundo-en-su-edicin.html

In my opinion ZP does have responsibility in the rise in the Euribor:

Interest rates set by the ECB have a direct influence on the Euribor.

The ECB's main mission to maintain the value of the euro, which rises in interest rates if inflation in the euro rises.

Spanish inflation is among the largest in the EU as "pull" up the average inflation in the euro zone, forcing the ECB to intervene with restrictive interest rates.

Faced with the same situation of international prices of raw materials and energy foods (which according to ZP is the cause of the current increase in prices), inflation in Spain is much greater than that of other countries around us, because among other factors:

-Levels of energy dependence.
-Productivity and labor market flexibility.
Stiffness-market land.
Legal uncertainty of the market-rent housing.
-Interventionism and opacity in markets that depart from international investment.

These factors themselves are the responsibility of ZP.

Greetings

Did not want to get involved with politics but I do not let another option.

What the economy goes bad before and now was going well?

Is not it will have nothing to do with European aid that we had before and we have now?
Not even with the Euribor something totally independent of Spain has gone up?
Not even that has erupted with the bubble that began when she was pp?
Not that the oil something totally independent of Spain is through the roof?.

Would you start out that deciais not rained because of widgets?

Please do not defend the south but think, and with the head while the south does not do all that well (not too bad we did not complain of vice), pp are a bunch of mentally retarded with forgiveness of the latter.

So unfortunately in Spain we do not have much choice of government and we will have to content ourselves with choosing the least bad, I did not todabia who vote, but if you do not vote, to pp who cares only be in power to take even more wealthy
Tables of buying a bride helmets by passing the bird for the land of Aguirre, Madrid indebted to GALLARDON takes a lot of money from the builders of the culvert-30 ...

So vote for whom you want but do not say stupid things that insult the intelligence of many ...

Francisco Spanish inflation is so high for two reasons.

1-pq we are a country of thieves.
2-pq to enter the cee prices tend inevitably to be equal and Spain were the lowest.

The blame for the rise of the Euribor my neighbor has the fifth ...

Dear Indian, in the previous post explain how to calculate the TIN but not the APR.

The APR is made of the Capital initial x (1 + type of interes/100) * No. of years

Francisco, to see what you think of my idea
I was thinking that to curb inflation and not to harm both our European neighbors, we could ask the government for 2008 that proposes to freeze wages. In this way, to have less purchasing power, are less conumiria and by the law of supply and demand, lower prices, the European average also go down and therefore the Euribor

28 DECEMBER - Holy Innocents!

To # 31 Francis,

Joer, a little far-fetched to think that inflation in Spain pulls up the EU average and therefore the Euribor. And even more far-fetched to say that inflation is so high when the PSOE has been high and low inflation with PSOE, just as there have been high and low inflation with PP.

It will not be rather than the price of oil affects all the links in the economy (production processes and transport especially), and this is through the roof from a buddy with a mustache who supported the Iraq war? It fell from $ 35 to $ 95 today.

I repeat, the economy is increasingly global, but governments should try to do something to protect us, if they want to keep them clear by voting.

Hello,

# 28 for drowsy. Totally agree with the theme of education. He was only studying happen to someone who has been stimulated to do so, and that takes patience and cultural concerns and progress in life. Unfortunately, the prevailing culture in our society is that of "we have to get everything quickly." That's why many people miss the studies and university education to earn money quickly without inmportarle the future in the slightest.

On the subject of a bricklayer copper more than a degree, I am afraid that the problem lies elsewhere. The reality is that some jobs are scarce and highly skilled professionals good. Let me give two examples closest that I have: I am industrial engineer, and before working in the metal sector. It was difficult to find good welders, fitters and turners good-milling machine, and the few that were good, they were highly valued and paid more than me. Now I work in the textile, and there is the same problem with the patterns. We have a very good patterns in the company that is gaining much more than me.

To sum up: In the job market, what works in supply and demand as in the rest of the market.

# 31, Francisco

Your position that the lists of PP are you going? Pq ... not if it is not half so I can not understand that someone thinks / creates all these things. You are those who arrive late for work if you tell your boss that the fault lies with ZP, right?

If historical view of inflation we have always had more inflation than others. When we had a 2 germany had on January 1 when we had a 3 germany had a 2 and now we have a 4 is that germany has a 3. For that we need to converge on price with the rest of Europe. (Also wages if people did not believe it grow% more than in Europe). We need to learn more and to stop seeing so much ACEBES ZAPLANA and TV.

But of course all this is a plot of ZP to stay in the government four more years ...

Salu2!

# 32, Murdok
Do not go into social policies, but whether in economics.
There was a gentleman (named Mr. Rato), who was minister of economy. Economic management admired by other European countries, where this gentleman ended up in the IMF and respected.
Now as you know it comes as a bank consultant in English.
But it seems that we forget that there is a gentleman named Solbes (I see that no one remembers that devalued our currency which some remember as the peseta nothing more and nothing less than THREE TIMES) that has no personality and of course everyone voted.
If we speak of finance ministers, there is no comparison possible.
You can taste management of a government or another, but something that can not be compared is in finance ministers.

A greeting

HELLO TO ALL!

and happy days of the Holy Innocents.

Incidentally, I read in several newspapers who today is the last day of trading Borsari of the year. So is the Euribor?

Totally agree with you # 38, EURIBOR + 0.69

Y que conste que tampoco estoy con zp que sigue subiendo un 2% a los funcionarios pese a un ipc de mas del 4,1 pero bueno, en linea con todos los anteriores gobiernos, (hasta ahora ninguno bueno).

desde mi punto de vista apolitico (no voto y no pienso votar) la situacion del euribor no depende del gobierno español ni de otro gobierno. solo el bce, que es un organismo independiente maneja este valor.
otra cuestion, es cuanta culpa tiene el gobierno actual sobre la carestia de la vivienda y el menor poder adquisitivo de los ciudadanos.
en este punto el gobierno tiene gran culpa. tiene mecanismos para intervenir cosa que no ha hecho y claro esto antes o despues se va a resentir.
desde hace mucho se habla de que es necesario invertir en tecnologia y en i+d. españa no ha invertido estos años de bonanza economica para mejorar la produccion (esto es fundamental en un mundo cada vez mas globalizado).
se ha dejado llevar por lo mas facil, la especulacion pura y dura de la vivienda, y el aumento de ingresos, por suelo e impuestos asociados (y marcarlos como superavit en las cuentas).
como el crecimiento especulativo es ficticio (para que unos ganen otros van a peder), pues se ha perdido un tren esencial para, como dice zp, estar realmente en la champions.
para los del psoe, diran que los peperos harian lo mismo (y estoy de acuerdo), ya que al fin de cuentas los ayuntamientos y las autonomias tambien tienen mucho que ver y estas son gobernadas por unos y por otros, pero la realidad es que es el gobierno central el que deberia como maximo organismo haber regulado este tema.
vienen malos tiempos, abrigaros que hara frio, mucho frio (o dolor, mucho dolor).
pd: colonial se deja mas del 20% en dos sesiones.

#39, Ni tanto ni tan poco

Como ya he dicho tampoco estoy con el psoe, pero prefiero un gobierno malo que un gobierno malo que encima se rie de mi,
Con el pp teniamos superavit, normal, no se invirtio en nada, y menos en politica social, aparte de eso teniamos un monton de ayudas europeas, y lo unico que se construyo fue de peaje, no votare pp ni psoe pero si tubiese que votar a uno de los dos no seria al pp

#41, Murdok

Hubo una epoca en la que gobernaba “el señor de los bigotes” en que se llego hasta congelar los salarios de los funcionarios.

PD Añadir que al superavit del PP tambien ayuda la campaña de privatizaciones de empresas que realizaron en sus 8 años.

Salu2!!

El Euribor no depende directamente de la politica española, depende mas de la economia gala o germana, pero los gobiernos que tenemos y hemos tenido nos han llevado a una situacion decadente, carente de riqueza interior, y llena de caciquismos, el primero nuestro querido ZP, la economia se ha desmadrado internamente, y eso sí es culpa de zetapi, los precios básicos aumentando sin parar, ¿donde estan las desaladoras de calidad? ¿cuantas han construido para mejorar el regadío?, ¿impulso a la industria?, ¿presupuestos falaces?, ¿subida de la energia por encima del IPC que plantea el propio gobierno?, ¿medidas de control en la vivienda?, ¿incentivo al alquiler de proteccion oficial?, ¿sueldos decentes para adecuarnos al nivel europeo? Pues como no funciona este, y los anteriores parece que hicieron pero tampoco creo yo que realmente solucionaron estos problemas, les tenemos que echar las culpas del incumplimiento de estos puntos que dependen de ellos. El resto, el timo al que se sometieron los hipotecados, o la subida del euribor no son consecuencia directa de sus actuaciones, en todo lo demas, a la quema!!!
Saludos!

Para #39 Ni tanto ni tan poco

No haces honor a tu nick.

Es cierto que Rato es muy listo y sabe mucho. Es cierto que cogió un país prácticamente arruinado de González y lo sacó a flote. Fue duro pero lo consiguió: Hubo que vender empresas (privatizar se llamó) y eso produjo una serie de ingresos que nos permitió entrar en el euro, lo cual fue bueno y malo, pero eso es otro tema. Recuerdo una de las medidas del amigo Rato que a mí personalmente más daño me hizo: la precariedad laboral que introdujo. Ya nadie se acuerda de eso, pero todavía hoy lo estamos pagando.

Respecto a la devaluación de la Peseta, son medidas de urgencia para evitar crisis. Fíjate en el dólar que no vale nada. Pues gracias a eso están consiguiendo vender como nunca, y generar empleo. Creo que USA tiene un paro en torno al 5% (que alguien me corrija si sabe la cifra).

Con el euro, España se ha convertido en un país caro, y se perderán muchos empleos: Delphi y más casos por venir. Y aquí, como no controlamos la moneda, no la podemos devaluar, para que no se escapen las empresas.

Al césar lo que es del césar. Rato hizo muchas cosas bien, pero me pregunto si hubiéramos entrado en Maastrich si no se vende Telefónica y Repsol…

Se me olvidaba,

Rato entra en el FMI gracias a que Aznar apoya la guerra de Irak, y así Bush le echó una manita para que Rato saliera elegido en el FMI. Todo ello, sin dudar de que Rato es un grandísimo economista, pero la manita de Bush puede que le viniera bien.

#46, Somnoliento
“Es cierto que Rato es muy listo y sabe mucho. Es cierto que cogió un país prácticamente arruinado de González y lo sacó a flote”
no se que edad tienes pero estas equivocado, con lo que paso en el 96. no se si recuerdas los criterios de maastrich (o como se escriba). cualquier economista objetivo, dira que el psoe hizo la parte sucia de este trabajo y los del pp, la parte mas bonita (los resultados finales). dira (y yo estoy de acuerdo), que por una vez, se hicieron las cosas de puta madre (tanto unos como otros trabajando para una misma causa, cosa que ahora no veo viable).

“Respecto a la devaluación de la Peseta, son medidas de urgencia para evitar crisis”
las devaluaciones vienen dadas, principalmente por desajustes en balanza exterior (deficit). al devaluar la balanza tiende a igualarse (se vende mas, que chulo), pero por desgracia, el pais se convierte en el mismo porcentaje de devaluacion, mas pobre respecto al mundo (semos pobres).

por cierto, algun forero recordo hace poco un frase del rato: “los españoles compran viviendas porque se lo pueden permitir, de ahi que este subiendo”. olé sus güebos!

Buenos días,
No sé dónde está ese 70% !!, parece que en este foro no….
Es que no hay una relación directa entre la subida de precios, o sea inflacción, y la subida de tipos por parte del BCE?
Es que los gobiernos, en nuestro caso el de ZP no pueden intervenir de alguna manera en la subida de precios en el mercado?, en los intermediarios por ejemplo….
A ver si Iceman va a tener razón pero de forma irónica…
“Linces por borregos”
Saludos.

Para #44, EURIBOR + 0.69

Creo q no me he explicado bien, se ha puteado a los funcionarios ya los Españoles en general con todos los gobiernos, y cuando hablo de mal gobierno hablo de este y de malo y que se rie de nosotros del pp España va bien