Peter Smith is 100 per cent correct. In an ideal world, a short key features illus-tration and document, with an accom-panying letter of recommendation, should be all that is needed.
In most cases it is probably is all that is really needed, if we are reasonable.
The problem is when things go wrong (whether that be the fault of the adviser, the provider or the client making spurious claims). Therefore, we find ourselves in the position where clients are faced with stacks of paper that remains unread, unless there is a problem later on.
Keeping it simple for the client could make it very complicated for the adviser at a future date.