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What a surprise! Same FSC member companies who conned government into the LIF by not supplying correct lapse data. Same companies trying to push advisers through "training" to "help them" take less commission and charge a fee. Same companies screwed by the Royal commission for dodgy direct business. Same companies reducing new business rates whilst increasing existing customers and trying to create a churn issue that was not there in the first place. Same companies suddenly needing advisers again. Same companies crying over new business reductions. Same companies not wanting to admit the LIF was a mistake. Same companies realising that only commissions for risk business work.