Area meetings with smaller sums to invest should obtain a reasonable spread by investing in one or more of the many ethical collective investment funds. Although information is publicly available on all these funds, advice may still be necessary, and this can be obtained from investment managers or independent advisers. An independent adviser may be paid a fee by the meeting to advise at regular intervals, and this is the recommended arrangement. Alternatively the service may be paid for by commission received by the adviser from the collective investment fund which has been recommended. The trustees of the meeting must bear in mind that they remain responsible. They should scrutinise the recommendations of the adviser and only accept the advice if they understand it and agree with it. Trustees have a continuing duty thereafter for that investment.