It's obvious we want AFSL system reform and not just limited to QAR. We want to be independently registered like tax agents with our relevant body and operate independently without having to set up Micro AFSL's and jump through additional hoops. This needs to be addressed in the upcoming reforms. Michelle Levy avoided it, and the ALRC is probably going to do the same due to vested interests. This will reduce costs to Advisers and in turn, lessen the costs to consumers as Advisers can run low-cost business models to service various niches.