The Government had to make a judgment call and decided that, by combining both functions in a small jurisdiction like Ireland, a one-stop-shop would have all the information available to it. There is an attraction and cogency to this argument. It is hoped we can establish the authority by May this year. Assuming that happens, the legislation will have provided an opportunity to establish an authority which can put consumer protection at the heart of good banking practice. By combining these functions, one creates that opportunity.