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Good comment. There is growing opinion that this Haynes Recommendation is unnecessary, as it will have a negative impact (like a number of other Haynes recommendations). But never fear, Frydenburg is determined to implement them all, like a lemming jumping over a cliff. Give it a few years, the greater bulk of the population will simply ignore most of it, due to massive lack of advice available to low income earners soon to hit the market place. The real issue here is the breach of the Sole Purpose Test. If no action is taken, just watch other start doing it.