Despite some excitable recent talk of sharing a carrier with France, the difficulty of agreeing what to dowith such a shared vessel make that idea unworkable.
The big message which I think needs to be screamed from the rooftops of the county courts is this... if you get into difficultywith your mortgage, do not bury your head in the sand.
Dame Carol recommended that the new service offer advice on issues which might be affecting a person's ability to do their job, such as debt or difficultywith their line manager.