Ms Ethna Tinney:

What I mean was that the prudential regulations that had applied when, say, I wanted a mortgage, and the kind of documentation that I would have to provide was no longer required, so, therefore, just as in the example that the Chairman brought up earlier on about ... about ... or, no, somebody else - it was during Mr. Merriman's testimony - about the Financial Regulator in ... one of his inspectors finding out that there wasn't basic documentation at all for, you know ... and this started to happen on a wholesale basis, not just with EBS but with the other banks. So, in other words, "You say your income is 48 grand, that's okay. Yes, we'll accept ... show us a P60 or a ... [more likely] just a slip of your ... of your ... of your income but we'll take it on faith that you're actually earning this extra money that you say that you are." Yes.