The Government had to make a judgment call which was that, by combining both functions in a small jurisdiction like Ireland, the one-stop-shop would have all the information available to it. There is an attraction and cogency to that argument. It is hoped that we can establish the authority, with all due respects to the House, by 1 May this year. Assuming we can do that, the legislation will have provided an opportunity to establish an authority that can put consumer protection at the heart of good banking practice. By combining the functions one can create that opportunity.