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Has it ever occurred to the ISA that after all of their attacks on the banks/advisers & having wasted close to one billion dollars of their own members funds on advertising, that maybe, just maybe, some investors want to deal with a financial adviser, are quite happy with their financial adviser, and are quite happy to pay for a financial adviser? When will the ISA ever give up & stop wasting their members money on advertising? Or maybe the Govt should introduce a tax on payments made to entities outside the Industry Fund?