Paul Robinson, bang on. The theory that product advisers (that should be the title no qualified adviser) will give impartial advice and even know what is in the marketplace outside their own brand to give an informed opinion, ensure they can't meet the best interest duty for the client, but it sure as hell means they can meet the product best interest duty by only advising on what can be done with their fund. We'll be back to where we were in 2019 pretty soon I'm tipping.