There are financial counsellors available now. The reason I'm sitting here is that we have people on the street, so obviously the connection between the financial adviser and the person on the street isn't working, for whatever reason.
To go back to the question, I would suggest that anybody who ends up on the street has already used up their lump sum or they wouldn't be on the street. Somewhere in the middle something has to be done, because it's all interrelated.