Ann: Heads of Agreement with Sentry Group-IAM.AX, page-204

Are you in the financial planning industry yourself? Well actually the industry landscape is changing slowly currently and will be rapidly changing very soon with compliance and regulatory changes. With this comes significantly increased costs in order to comply while keeping internal and external standards. So those who aren't cutting costs significantly, or increasing revenues (inefficiently without IAM) won't be worrying about competing with Sentry or other IAM-backed practices, but they will be fighting just to stay in business and keep afloat. Like any business, you need to be cost effective to stay in the mix.