The choice of an appropriate supervisory structure is a difficult one. The Senator is well aware of the huge changes that have taken place in the financial industry in recent decades, where the traditional lines of demarcation have become blurred in the provision of financial services. Financial institutions of all types now tend to offer products and services, directly or through affiliates, that compete not only against those offered by similar types of institution, but also against those offered by other categories of service provider. We see this happening in the various markets that exist in the financial services sector, including credit, loans and current accounts. There is no consensus as to the existence of a single best approach in this particular area.