Geez Ken, now you address vertical integration???? Why did you not ask this question when you were sitting in the RC chair?

Instead you listened to only a portion of the community - the highly conflicted bank, insurance and union funds crowd. You then laid the blame on "advisors" with some of your ridiculous recommendations that have added cost, complexity and no benefit to clients. The gov't then holds an enquiry as to why advice is so expensive - is that so hard to connect the dots for you?

Union funds especially were barely acknowledged despite their egregious history of behaviour, why did you not address this farce?

I'm sorry, despite your titles and work experience I struggle to respect you after your botched effort at the RC, why was vertical integration not recommended to be banned???

You then come up with some ridiculous statement about canoes after the fact.

Thanks not at all for all your help. You have not added any value. Go off to your retirement, your post RC missives are not appreciated.