Pearse Doherty (Donegal South West, Sinn Fein) | Oireachtas source

But can I just, finally on this here, like, if you go to page 52, on the top of that page, it's item 4, "The Society's Credit Policy does not require bank statements to be obtained and reviewed in assessing affordability other than in the case of applications relying on surplus rent roll to support Homeloans or [buy to let]." Now, to me, that is just ... like, this is a bank issuing a loan, who's saying to the customer who's getting this money from the bank, "We don't actually need to see any of your bank statements." Like, is this ... was this just creaking at the edge where they decided to change the credit policy to say, "Well that's too much hassle asking them for the bank statements", or was this the policy of EBS forever, since it was established, and the Financial Regulator's only finding this out in 2007 during this review?