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Choice and CALC have a track record of erroneously claiming that commissions are conflicted and therefore bad for consumers, whereas fee for service is unconflicted and therefore good for consumers. This is utterly bogus. All forms of payment are conflicted. What really matters is ensuring best interest, not the payment method used. Unfortunately the falsehoods peddled by Choice and CALC are seeping into regulations, and progressively denying consumers options such as commissions that can be much better for them in many cases. This anti consumer approach by Choice and CALC shows they are not really consumer associations any more.