To ensure advice is available to Australian's the proposals related to 'charging arrangements, disclosure documents and reporting requirements' most stakeholders agree they should commence quickly. With regard to life insurance commissions as they are the same for all products, conflicts of interest are minimised and manageable. In The Advisers Association's submissions, we believe they should be increased to 80%. As a minimum, they should remain where they are at 60/20%, ideally with a one-year responsibility period.