There was considerable discussion in both Houses on whether there should or should not be a one-stop-shop in terms of financial regulation. It is understandable that some advocates argue consumer protection should have a distinct priority of its role in a separate authority or that the credit union movement should not be regulated in a Bill of this type. It is important to realise that it is important in a small jurisdiction that we have one effective body which can perform all of these tasks in a complementary manner. We will be addressing these issues during debate on the amendments. The issue which does not appear to be reflected in further amendments is that of credit unions.