Joe Higgins (Dublin West, Socialist Party) | Oireachtas source

But, Mr. Went, did you ... and if I refer to Vol 1, page 37 to 42 or so, in sticking to that, did you not at the same time loosen up considerably the criteria and did you not loosen your credit standards in such a way that gave rise subsequently to serious problems? For example, in the buy-to-lets, in reducing ... or in one situation where, if a proposal for a buy-to-let essentially is not self-financing on a stand-alone basis, the applicant’s net disposable income is assessed to establish if the deal is affordable and you reduced the income for a single person to €40,000 and then other ... some other changes that you made at that time. I mean, wasn’t ... I agree with you, you didn’t go into the wild speculation that we have heard about in other areas of ... that left us with ghost estates, etc., but within the area that you were working in, did you not, kind of, emulate what was happening elsewhere in a different way?