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86 you had better re-read your post. You can't seriously be suggesting commissions are not a conflict of interest. LIF does not solve this, it simply means there is no incentive to sell one providers product over another. There is still an incentive to sell a product and more of it. That's a conflict of interest. If a conflict can't be acknowledged it can't be managed.

Clem nailed it when he said structurally corrupt. Commissions represent a structural conflict of interest and human nature ensures that translates to corruption. How much more evidence do you need?