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"...the financial advice industry needed to work to restore the public’s confidence in the profession..." could happen if the identity pre-occupied mercenaries that undermined the publics confidence in established, educated, experienced service providers in the first place actually woke up to the fact that it is actually in the interests of the people they purport to represent if they help build with the encumbants a better solution instead of seeking to destroy everything and then take ownership over what replaces it.