Aideen Hayden (Labour) | Oireachtas source

I am speaking from personal experience. I have had situations where borrowers have either been involved in completing financial statements or I have seen standard financial statements. I am concerned that in many instances borrowers are being left critically short of money to pay for basic necessities. In fact, MABS has raised the point with us that there is no stress testing of the standard financial statement and proposed that there should be independent stress testing of the standard financial statement. What I am trying to establish here is whether permanent tsb's internal criteria are more or less generous than those of the Insolvency Service of Ireland because we would require the Insolvency Service of Ireland guidelines as a bare minimum. Could Mr. O'Sullivan, perhaps, reconsider giving that information to the committee?