Mr. Karl Milne:

We are not qualified to judge or assess clients' mental health. However, if clients raise concerns in discussion with us about the payments they are on that would be referred back to the Department for its consideration. We have no role in that. If during their engagement with us, as trust and confidence builds between the clients and the advisers and they share challenges they have, we will look to support and signpost them into the relevant professional services, subject to availability in any of those areas but it is a client driven service.