Nailed it Phil. It is not possible for a financial planner to comply with Std 3 so we are all in breach. That being said lawyers, accountants, doctors etc could not comply either if they had to comply with std 3.

Std 6 is written for the lawyers to make it easier to sue planners on a technicality or obscure proposition.

The other stuff never really noticed. We have been so disrespected, denigrated and insulted for over 10 years I don't give that kind of crap any airplay. Can's be used against me. Std 3 and Std 6 can.