Speaking of cutting the "crap" The article reads more like a "whinge" from the Universities and others about how much revenue they are missing out on. Since when where they all concerned that advisers would not continue to educate themselves. Why do so many think that people wont take up the challenge and learn new things. I had to over 40 years. And if people want to stay in the industry they will need to. Its not a set and forget strategy. Learn { at your own pace} BUT LEARN or you will get left behind.