Must agree to disagree with you on this one Keith, with the Banks/Institutions largely out of advice now is the time to allow them to have internal staff trained to give product information about their own products and stay away from the independent advice sector. Why? Recent history demonstrates they are very poor at it and their high cost, poorly performing funds are a disgrace. We all must remember that consumers are the true victims of vertical integration and they are the ones we are meant to acting bin the best interests of.