Best not say that out loud - the Consumer Groups and the Bureaucrats in ASIC/Treasury probably haven't yet been told this (they would need to spend Millions of $$$$ doing a study to find this out) and if they knew, would likely just blame it on Putin. Lets face it facts, it is very unlikely Commissions were reduced to help consumers - I reckon they just want Financial Planners out of way so Product Manufactures can control delivery via Industry Super - but I could be wrong?