Linda McAuley welcomes our resident guru Jimmy Hughes on to answer our listener's consumer questions. Marie Cavanagh discusses her second independent review on the PIP assessment process. And how are people with disabilities affected by Covid 19? Linda hears from Andrea Brown from Disability Action, Claire Lavery of Action on Hearing Loss, Agnes Lunny from Positive Futures and Dr Jacqueline Witherow of RNIB. Finally good news for 18 year olds as Nikki Saunders of HMRC tells how to get your money from the first Child Trust Funds which are maturing this month !