Sean Barrett (Independent) | Oireachtas source

Because, if I may, page 17 of the core document, Chairman, the regulator is concerned at the "high level of approvals that exceeded the affordability guidelines, particularly as this criterion is the one which incorporates stress testing of loan repayments", and it says "see also finding M1", which we don't have. So, was it the wrong kind of stress-testing or why did the regulator bring up the issue in relation to the EBS in his letter, which is dated 10 June 2007?