Gerry Horkan (Fianna Fail) | Oireachtas source

Is it fair to say that the bank is carrying out more stringent testing on new borrowers in respect of their resilience in the event of a downturn? Nobody can predict the future totally. People can lose jobs and companies can go wallop and so on. Is what happened more than ten years ago now much less likely to happen based on what people are allowed to borrow relative to their circumstances?