Below is ASIC's response to round 2 of the RC... Long read but points 1 - 20 on the first few pages are particularly relevant to AMP's business model in its current form.
https://financialservices.royalcomm...ocuments/Round-2-written-submissions/asic.pdf
Find it pretty hard to argue with any of the points.
AMP current state of play, page-2
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