What qualifications have you got? http://amanjayamall.com.my/essay-is/ creeping waste multicultural society essays grievously guilty  Last week, the SEC closed its comment period on a requestfor information about how a fiduciary rule would affect theadvice industry, and received a flurry of last-minute filings inresponse. Industry insiders said devising a rule would be costlyand do a disservice to low- and middle-income clients. TheNational Association of Insurance and Financial Advisers, whichrepresents insurance agents who also sell securities, told theSEC that a fiduciary standard would "harm the ability ofmiddle-market investors to obtain financial services andadvice."