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Agree Steve, many non metropolitan advisers in NSW and VIC are in the same boat. I work for a major rural University and they have decided there is not enough demand to expand their Commerce Degree. Unfortunately, we cannot all send our kids off to Sydney University, pay for their accommodation, buy them a car, pay for their food to study Financial Planning. Some of us have to send kids to the closest possible Uni and so that they can board at home. So inevitably this will cause a gap in areas outside the cities.