I agree that the choice of an appropriate supervisory structure was a difficult one. Senators are well aware of the huge changes that have taken place in the financial services industry in recent decades. The traditional lines of demarcation have become blurred in the provision of financial services, whether by way of credit, loans, current and other types of account operations and international finance. There has been considerable change. Financial institutions of all types tend to offer products and services, directly or through affiliates, that compete against those offered not only by similar types of institutions but also by other categories of service providers. The traditional lines of demarcation have become blurred as we can see in all the markets in the financial services sector.