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Geez I'm getting sick of all these so called experts who claim the magic solution to over regulation which prevents consumers from accessing affordable advice is "data analytics" or "AI" or "roboadvice". Those things are just electronic sales tools. They are not advice.

The solution to over regulation is to unwind over regulation. Here's some starting points:
- Remove TPB from financial adviser regulation
- Change insurance commissions back to a more workable 80/20 with 1 year clawback
- Get rid of the FASEA Code and "Code Monitoring Body" that overlaps and conflicts with the actual law
- Force FASEA to give advisers realistic credit for prior studies, rather than forcing them to repeat their education to enrich conflicted FASEA directors.