When I worked as a Minister responsible for consumer affairs I had begun to speak out about these matters. I was interviewed on "Morning Ireland" and recall receiving an irate telephone call from the head of the Irish Bankers Federation who said, "It had nothing to do with you, my dear," or words to that effect, "because it was in the remit of the Minister for Finance." I had responsibility for consumer affairs and, with the then Minister for Enterprise and Employment, Deputy Quinn, was drawing up the Consumer Credit Bill. I should not have been worrying my silly little head because these issues were being taken up by mandarins in the Department of Finance—