Anybody who has observed the performance of the Director of Consumer Affairs could not be unimpressed by her fearless and determined stand in taking on some of the strongest and mightiest organisations in the interests of the consumer. Under this Bill, however, the Office of the Director of Consumer Affairs is to be subsumed into the new IFSRA which, in turn, is to be a subsidiary of the Central Bank. I note the Minister of State's comment that the Government hopes and intends the director will take a leading role in the new authority. I would like to believe this but I do not think I can as the director is to be one of a number of people on the authority under the aegis and vigilant supervision of the Central Bank. It will be a case of Big Brother.