Ms Ethna Tinney:

Well, I think in this sense the board was not, if you like, maybe so led up a garden path because it did become clear, for whatever reason, during the early 2000s that brokers were becoming a very large part of the way mortgage business was done. I think people were just so busy. I think that that was a driver of that, you know. Very often young people, they would both be working, you know, and had they endeavoured to get a home they nearly, you know, always were. And, therefore, it was much easier to go to a broker who would facilitate getting your mortgage, take a lot of the paperwork off the hands of the applicants-----