One of the most bewildering aspects of the report is that, after having found that 16 of 19 countries did not favour the model, it recommended that the kind of agency proposed in this legislation was appropriate for this country. I do not see how one can accommodate two diametrically opposed interests in the one authority, one dealing with regulation of the prudential sector and the other dealing with consumer interest. It should be a case of, "Ne'er the twain shall meet". I am in favour of one-stop-shops but the one-stop-shop proposed in the Bill makes no sense whatsoever. Therefore, I oppose it.