The merging of consumer protection with prudential regulation under the overall aegis of the Central Bank which has disavowed any interest in consumer affairs is manifestly not in the best interests of the consumer. I am very much on the side of the consumer on this issue. While the Director of Consumer Affairs has undoubtedly rattled some cages in the process of protecting the consumer, there are glaring problems that have to be addressed urgently. For example, there is appallingly sparse information on financial products. Legislation was promised to address this. It would involve a stand-alone Bill which we have not seen. We have to acknowledge that the director is grappling with the issue but still has a considerable distance to go.