Yes, but it’s to do with promotion/advertising, not service delivery, as such.

Still odious, but not what is being rumored.

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Can you elaborate please Shawn - I literally heard this from a broker implementing changes to his setup right now, ready for Jan. If he advertises and then sells (delivers), why is that meaningfully any different?

I don’t doubt he’s making changes. The changes required, however, are regarding outbound promotion. Sales. Marketing. It does not (unless someone can demonstrate otherwise) require changes to his actual products and services.