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I am part of a independent small dealership with under 200 planners, one that dosen't have massive PI hikes each year as they are a safe compliant business. The extra work we now need to do is required by law due to the new code of ethics that we all need to abide by. It seems you are in the past talking about the large bank owned dealerships that were around, they are gone, the only big dealerships selling their own product now are amp and the industry fund owned ones.