Ms Ethna Tinney:

Yes, it was. And the reason that we did it ... not that anybody would have ever verbalised that, but the reasons that we did it was that if ... if we actually said, "Look, show me your money", that the person wouldn't qualify for a mortgage for whatever house he or she wanted to buy and that, therefore, you know, our business would be, once again, eroded. In other words, because of the fuel that was burning, the house boom and the bubble, as it turned out to be, there was acquiescence all round. There was collusion, if you like. Yes, unspoken collusion that we wanted to assist people to have homes. So we're not going to ask too many hard questions.