My Lords, I rise to express not dissimilar concerns to the noble Baroness, Lady Howarth. I firmly support the tenor of what is
proposed, but at the same time I go back to Second Reading when the noble Baroness, Lady Hughes, raised the question of foster carers. Some foster carers will rail against the professionalisation of advice. If we believe that there needs to be flexibility in the range of personal advisers, we need to beware of the Bill being so constraining that we lose that flexibility. They have to be securely and safely recruited and vetted, and we must ensure that there is ongoing support. The concern just expressed about the vulnerability of an individual personal adviser also needs to be heeded. I wanted to place on record a concern that this is something that must still be wrestled with. We have not got to the bottom of the right answer yet, either with what is in the Bill or in the guidance. This will be another example of where the guidance needs to be seen before Third Reading.