The limited view the bank takes of its role was highlighted during the DIRT inquiry, when those responsible for running it admitted, quite frankly, that they were aware of what was going on in respect of DIRT but that they did not consider it part of their job to do anything about it. The issue appears to be whether it is possible to join together two such disparate tasks as regulating the financial sector and looking after the customers' interests? I am not sure that it is possible and my instinct is to be rather sceptical about it.