Mr. Ger Deering:

I think the amalgamation will be good for consumers. I do not think it is going to make a huge difference. Both offices provide a good service. There have been occasions where there has been confusion as to whether it is an investment product or a pension product. That will not matter now. There will be one point of entry. There is a lot of confusion. We get a lot of calls for the Public Service Ombudsman's office or for other ombudsman offices, so it is good if we can do more to streamline things. It will be better for some consumers and avoid confusion.