Ik zal wat dit betreft een concreet voorbeeld geven dat op mijn terrein ligt: de richtlijn inzake consumentenkrediet. ###>I am referring here to a quite specific example from an area with which I have been concerned, namely the Consumer Credit Directive, by means of which the Commission is accomplishing a shift that I regard as not entirely justifiable, by abandoning a standard of minimal harmonisation and mutual recognition in favour of maximum harmonisation.