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Here is how it will look. Either the bank of vertically integrated inhouse Industry Fund Planners wont be allowed to be paid salaries from the general bundled admin fees (at the expense of members who are not receiving advice], OR "Opt in" arrangements for fund members of all other funds will be done away with. You cannot have both legally. This is set to be come a massive Taxi Driver VS Uber Driver issue. Logic says it will be fully exposed & dealt with, one way or another. This situation where some fund members can receive advice without requiring Opt In arrangements, is a massive massive racket. Best solution? Just do away with Opt Ins.