Stephen Lynch actually said...

I just cannot see how flooding the streets with another drug is going to help.

A broker adviser could simply give advice to purchase or recommend the purchase of whatever product gives the highest commission, as long as...

We want vulnerable investors, those at the lower end of the investment scale, to get advice that is in their best interest.

We're not getting the best price. They're--you know, they're driving it up because there's no competition.