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Blindingly obvious that the next step is closure of Financial Wisdom as they have not given these advisers the option to join FW which would be in CBA's interest. Obvious again that the next step will be to close down the branch adviser network and make good on CBA's royal commission promise of exiting advice, as was referenced in Ballantyne's email to Pathways. Will be a lot of unemployed branch network planners on the market very soon...