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The noble Lord made important points about local charities, simplification of funding and older volunteers. I am pleased that we announced this morning, through the Department of Health and Social Care, the launch of the GoodSAM app, which I commend to Members of the House. It allows volunteering both from home, by telephone support for others, and in the community if necessary. On simplifying funding, every funder that I have spoken to is looking at ways to simplify and become more agile and responsive. That is happening across the piece. The noble Lord made an important point about scammers; colleagues across Government are working on that.