Ms Laura Farrell:

Yes. I know from attending courses myself that a variety of people in the room are there because it is a gift from their employers or they have self-selected to attend, and most people are happy to partake in the programme. There is a little trepidation, but they know that it is about planning for a new future. There are some people in the room who do not want to be there and are kicking and screaming their way to retirement. You can feel it and it is tough.