Mr. David O'Callaghan:

In that this is not the same as an applicant filling in a form for a pension or passport or tax-free allowance. This is about dealing holistically with all the requirements of an applicant, a survivor. It is not just a form which is filled in; an assessor rings them, contacts them, and looks at all their needs and takes them through the whole process in a very sympathetic manner to find out what they need across the broad spectrum of services, whether it is housing, health or education. I do not want to overstate it but it is a very complex operation.