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The issue is one or two of the large Industry Funds are exercising restrain of Trade by denying advisers the ability to invoice fund members who wish to come to you for advice. I am delighted to advise that CARE SUPER now permits all advisers to invoice for advice. I would suggest those Industry Funds who are acting under intrafund advice arrangements, & have a tied agency advice structure in place, are going to start to lose some business pretty soon, because of their refusal to allow external invoicing of their members.