[Margaret Pilkington]

I'm not 100% sure Garinda, but I think that families have to put some of their own money into trust for their children too to claim the money....and anyone who has small children knows what a huge expense they are.....and often there is not the money in the family budget to put into a savings scheme.

I'm sure that the members with small children will put me straight if I have got it wrong.....but there must be some kind of drawback for so few parents having taken advantage of the scheme.