Changes to remuneration didn't cause me to give up advice it was the compliance risk. I would argue anyone providing Risk Advice is doing it illegally and certainly not in the best interest of clients (under the corps act definition). I would say it's impossible to meet 2023 compliance standards. I'm not even talking about 2013 standards. Remember advice that's in the best interest of clients is significantly different to compliant advice that meets the best interest regulations and would pass ASIC standards.