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Are you serious cri? You cant just write a roa yourself the dealership would report you to asic if you dont use thier templates . You know how much research needs to be on file even just for a roa? Strategy file note, fact find, best interest checlist, reporting, alternatives. This is about 3 hours work already. Id be interested to know if you are a planner how long it takes you to do a roa in keeping with the new fasea standards? Its not easy or simple its the most convoluted process ever.