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'You planners' Labelling every single planner with same brush is both ignorant and idiotic. I would like you to have a conversation with some of my clients, one most recently with a young family that would have lost his house, and be on the street without the advice he was given 2 years ago, and yes there are many of these good stories like this, just like the 'worst of worst' stories that have been depicted through 'Hayne's' agenda of basically decimating the industry, and the many good advisor's careers in the process.