Financial Services Bill

I am not quite clear. Although the noble Lord says that this new council is not an executive body and is purely advisory, he also says that he disagrees with the amendments tabled by my noble friend Lady Noakes which seek to define what the authorities do. How will people know what to do when, for example, there is a crisis of confidence, as there was with Northern Rock, and queues form outside banks and people ask for their money but no one is quite clear about who is doing what on the day?