My Lords, no noble Lords will want to see any of the risks outlined by the department materialise, but we have to prepare for them. Can my noble friend outline whether there have been meetings at the department, walking through what would happen if we had an issue with building material? In particular, have disaster response experts and insurers such as Zurich been included in those meetings? Also, have they taken legal advice on what happens to the personal liability of trustees under health and safety legislation if we should have a building material collapse in one of our schools?