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Still not much reassurance to those who have lost the savings, livelihoods and in some cases even their lives (suicide) as a result of the behaviour of some financial institutions. The reality is that the industry must strive for 100% success even if that is not absolutely achievable and all of us who work in the sector should stop trying to shoot the messengers i.e. the Royal Commission and the media, when things have been proven to have gone wrong.