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They havent got us defeated at all! With that attitude you are defeated though. The ISA will also need to abide by the new adviser education standards as well with their internal planners. So they have some votes at the AGMS so what most big fundies do. Its not all plain sailing for the ISA. I am happy to be an adviser now, its onwards and upwards for those of us that dont just give up. People will always see the value of advice. Defeated my butt, I havent worked 20 years in this industry to give up just like that! No way Jose.