The Minister of State makes the point that the Central Bank has changed its ethos. I am not sure that it has or that it would be totally a good thing that it would. It has been good at prudential supervision and has generally done a very good job. There have been no rifts in the banking or financial services structure generally going back over a long period, which must be marked as a signal of success. It is the primary function of the bank on that side of the business. What it has not done is the stuff that is not its business, namely, consumer protection.