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Trust and being able to rely - One thing about the ISN you can rely on the fact they will lie cheat and steal. They will lie about there performance and fees- they will lie about best interests duty - they will steal away a good opportunity to have your self properly organised - they dont do wholistic advice - ultimately they will cheat you out of any chance of making an informed decision. but hey what do I have to go on - Union past performance - at every opportunity they try to bring this country down for their own idealogical ends