It's an upside down world. The bankers and property developers who contributed so much to Ireland's financial crisis have, in the main, got off scott free while people who have lost their jobs are having their homes reprocessed. A new survey found that one in three people will find themselves in debt because of Christmas spending this year, there's been a dramatic increase in the numbers sleeping rough on the streets of Dublin, and the number of people with mortgage arrears continues to grow.