The overall authority of the Central Bank has been wielded in a fashion which people have found unsatisfactory when it comes to consumer protection. The Central Bank would point out, correctly from a legal point of view, that as it never had specific legal responsibility in that regard, it could not be expected to stray beyond its primary duty. I support the notion of bringing the two functions within one body. Like others, however, I assert the need for a measure of independence between the two respective functions. Broadly speaking, I am willing to give fair wind to the structure devised by the Department after such lengthy debate.