I am concerned that there seems to be an intention to bring together two conflicting sets of imperatives, namely, prudential management and consumer protection. I refer to observations made by independent authorities such as Dr. Ray Kinsella, an eminent professor at the Michael Smurfit graduate school of business at University College Dublin and a former adviser to the Government on economic and financial affairs. He has set himself firmly against the merging of the two roles and regards it as a total conflict of interests. He has stated that not only should they not be merged, but that they are also mutually incompatible and that the capacity of both bodies to carry out their individual agendas or remits would be damaged.