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that's right. you did not do whatever it takes, that may be not sleeping or eating. who is to say. remember, reasonableness, rationality applies to others not to financial planners they are to be kicked when they are down and treated like feral animals

it's your fault you cannot comply with the regulations. they are there not to look at but to adhere to, and it's not just the regulations the FASEA code of ethics are in full play. you did not comply, you did not meet best interest, you did not do everything possible, so you are fucked.

but there is an option. become a scum bag lawyer no problems there you can leave your conscience at the bar (pun intended) ok you have a problem and will have sleepless nights with your conscience bothering you.

well you are in the same state now ain't you ?