I would like to make two basic points in conclusion. The Bill is concerned essentially with putting in place the basic structures for regulation and part of a package of measures rather than stand-alone legislation. As regards the basic structures for regulation, I am confident that the new structures provided for in the Bill give us the best of all worlds. On the one hand, there is a new regulatory authority – the IFSRA – with a clear consumer mandate, and, on the other, there is an organic linkage to the authority responsible for stability and monetary issues. There is also a structure in the Central Bank and Financial Services Authority of Ireland which facilitates efficient use of resources and mobility of staff. The Bill also provides for clear accountability, both within the new structures and to the Oireachtas. The measures incorporated in it and the proposed second Bill will together lead to more efficient regulation, with a stronger consumer focus than heretofore. I commend the Bill to the House.