On the wider issues canvassed on this occasion by Senator McDowell, the kernel of one of the objections of Opposition parties to the Bill has been the combination of the prudential regulation function with the consumer protection function. It is important to stress that this is a new Bill. As I said on Committee Stage, it is not a case of "New presbyter is but old priest writ large". The Bill is detailed. It essentially transforms the Central Bank into a new bank which combines with a regulatory authority. Because of the fundamental change in the character of the bank envisaged by the legislation, this is a case of a leopard changing its spots. The Government took a view on combining the functions in order that the issue of prudential regulation, a traditional function of the bank, is restated in the Bill but is combined with consumer protection in the regulatory authority.