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If you don't appoint a guardian for your girls, a court will do so in the unlikely event of your death. This will be a senior social worker. It is however legal for a 16-year-old to look after a 12-y-o, so you could appoint a guardian who understands your wishes and would be prepared to assume that role but would not have to become involved in day-to-day care. That way, social services would not enter the picture. I suggest you get some legal advice if this is a serious concern for you.
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