This commentary, on the present state of financial disclosure in superannuation is just absolute rubbish. To infer that product disclosure is 'owned' by lawyers is to miss the whole point that all lawyers can do is respond to the laws as made. The law here, particularly the disgusting dog's breakfast that RG 97 always was and is, is completely the Regulator's (ASIC) doing. It became so unintelligible that after some 32 years of supplying legal advice to large superannuation fund trustees, I ceased my legal services in that area last year as you could never be sure you were right.