Giving a lower reading than the true rate would give the impression that Barclays was considered a better lending risk than it actually was.

BBC: Bank inquiry launched after Libor rate-rigging scandal

Going into the conversation, I was under the impression that Ireland might hope to renegotiate at a lower interest rate after the crisis has stabilized somewhat.

FORBES: Irish TD: We will not renegotiate

There is the impression that Capital One catered to card holders with lower than average credit, and used their increased demand for credit to push through rates and terms unfriendly to consumers.

FORBES: ING Direct Becoming Capital One 360