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And Mortgage Brokers are next. Labour will bring in full FOFA and customer paid fee-for-service there as well. Then ISN will step in with SME lending etc and try to crowd the banks out. And that is the real story. You keep thinking they are just misguided fools but they know exactly what they are doing. Banks are put of wealth, their distribution lines are destroyed for their products, SMSFs are next. The only Lib policy retort will be to put forward the removal of compulsive super contributions and make it a voluntary tax deduction.