I am sorry to interrupt the Minister but am not clear on what she just said. The provision in Clause 4 says that,
“The single financial guidance body may arrange for another person”.
That applies not just to the pensions guidance but to debt advice. My understanding was that the structure of debt advice currently underpinning MAS would be carried over into the Bill. Is this raising the option that the new body would provide debt advice directly? I am slightly unclear on that point. Could she help us with that?