For consumer protection to work properly, there must be a certain positive creative tension between it and the regulatory side of the business. Clearly, the ethos of those working in both sections of the new structure will be somewhat different because they will perform different tasks. It would be good if there was to be a certain tension between them, albeit within the context of shared information. There is within the structure a tension which, I suppose, will in time have to work its way out and find its own means of expression. As I said when making the point earlier, it is a reasonable goal and deserves fair wind but is not without tensions. We must keep a close eye on how it works out.