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Comrade. So it appears you cannot generate you own fees. You must rely on trusted (educated) accountants for your income. Planners are pathetic. Hang your not even a planner your an economist (why do you class yourself in the same category as these uneducated salespeople). Accountants are not filled with hate. We are just sick and tired of the recalcitrant, immoral and unethical behavior we as a profession see from a lot of planners on a daily basis. it is out right disgusting.