I recommend you read the whole piece. It's escellent, and Rubin is among of the few US journalists who know what they are talking about where Iraq is concerned.
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America’s abolishment of the Iraq army on May 2003 left tens of thousands of armed men without salaries or job prospects. It practically guaranteed the emergence of a strong Sunni resistance. I was in the audience in Baghdad when Paul Bremer, Bush’s special Iraq envoy, made the momentous announcement. It astonished me and those of my colleagues who had any knowledge of Iraq.
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After the press briefing, I rushed to a district where many army officers lived. The message from all of them was the same: “You dropped leaflets telling us not to fight, and we obeyed, and this is our reward. We will fight you.” And that was just what they did.
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As for the president, he signed off on the decree on May 22 during a videoconference with Bremer. Never mind that he had just approved a totally opposite plan; according to the Times, Bush raised no questions. Rumsfeld refused to be interviewed. This slapdash decision-making on crucial issues reflects the way the whole war was handled. Bush didn’t ask, Rumsfeld wasn’t interested. U.S. military commanders were ignored, and those with knowledge of Iraq were left out of the loop. Here we have the whole story of the war.
Equally disturbing is how little Bremer and Slocombe understood about the country they were charged with remaking. I interviewed Slocombe in Saddam’s palace in November 2003, at a time when car bombs were already exploding and an incipient insurgency was apparent. He brusquely dismissed the idea that the army could have been rebuilt and demanded we change the subject.
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http://www2.ljworld.com/news/2008/mar/21/hastily_disbanding_iraq_army_was_key_error/?opinion