The Green paper has still not moved on and so the limbo continues painfully and distressingly for many, many people. Certainly, the advent of an insurance back scheme has its merits but are we not creating a monster here? Will the ‘insured’ be allowed to select their own care provider or will the insurance companies in effect become the commissioners of care and lay down their own criteria of what constitutes care and how it is to be delivered and by whom. Moreover, there would be concerns about a minimum standard of care they would be prepared to pay out on. We could see a race to the bottom with more care being delivered my untrained, unsupervised, unskilled, uninsured individuals or micro companies that can escape the responsibilities that all organisations registered with the Care Quality Commission must adhere to. That fosters safeguarding and further problems from that point on.