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Hedware, you are spot on. If Financial Planners were Doctors most of us would be licensed via Tobacco Companies. Dr Smith authorised representative of Philp Morris, has a nice ring to it. If the FPA was the Australian Medical Association it would be like the AMA getting millions from Drug reps and Tobacco firms as well. It's a shame Financial Planners can't see this relationship. And then for some reason we wonder why Treasury and the Government never listens to us.