To understand the current controversies engulfing the insurance company FBD, it is wise to reflect on a meeting that took place in the Herbert Park Hotel in Dublin 4 on St Patrick’s Day 2020 as the first lockdown came into effect. On one side of the table was Fiona Muldoon, the former Central Banker, who was then chief executive of FBD. She was flanked by John Reid, a senior FBD colleague. Opposite Muldoon was the publican Noel Anderson and Donal O’Keeffe, the chief executive of the Licensed Vintners Association. During the meeting, Muldoon told Anderson, owner of the Lemon &…