Let somebody else who is totally independent look after prudential regulation. If consumers' rights are a dominant issue and concern, they should be the sole concern of somebody. Let some other person argue with the Director of Consumer Affairs about prudential regulation and, if necessary, let the Oireachtas be the final arbiter. To pretend that consumer interest regulation and prudential regulation can be integrated in one institution is to cede the argument to the regulated. That is a long-standing view of mine. Even with independent consumer interest regulation, extraordinary things can happen.