Another brave vision kicking the adviser to the curb, allowing the banks back in and roboadvice will rule over all. I thought we had all the massive changes, now there's more with the assumption this'll fix whatever they see as the problem? Thanks AFA, you've given me a clear reason to vote against the merger with the FPA. And if I hear this sort of rubbish from the FPA I'll be saving myself a grand this year. I'll put it towards my ASIC levy or the new annual adviser registration, which I'm sure isn't free.