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I'm no fan of the direction of the article, but you can see what Claire is talking about. The more it is resisted, like some of the comments, the more the policy makers will think it needs to be changed. You don't have to like it, but if you're smart you need to plan your business around possible outcomes, and one of them clearly is now nil commission insurance products. They are starting to grow in terms of availability in the market, then consumers become aware, then they want them - you either address it in your business model or potentially perish, we all have choices, that's what I take from the article.