In the end, the expert group took the view that consumers' interests would be best served by combining the functions of consumer protection and prudential regulation in one body. The alternatives examined included separate authorities for prudential regulation and consumer protection and two competent authorities, one having a consumer protection function, and a regulatory authority with a subsidiary responsible for consumer protection. When one considers those options, I am sure the Senator will appreciate the difficulties they would have given rise to. They were all ruled out as it is only within the entity which combines the prudential regulation function with the consumer protection function that the disclosure of information between both could be done within the provisions of EU law.