Matthew Oakley: It is going to vary an awful lot, of course. What we are keen on is that it really is a personalised and tailored experience. Some people will have a good idea of what their pension pots and their other investments look like, and they can go into a guidance session and have a clear conversation, and just be signposted to other places. That might be quite a short conversation.
For others, of course, we think that they will need a lot more information and a lot more guidance. That might include a repeat session, or having to come back with more information because they have not come to that first session with enough information. That is one of the key things here: we are worried that not enough is being done, particularly before the roll-out of the guidance guarantee in April, to ensure that consumers know what they need to take to that first session. What we would like to see is a much more concerted effort to ensure that consumers get a full picture of each of their pension pots, alongside each of their other investments, that they can take to that session and really start off on the best possible route.