The online discussion about whether, in our fiduciary debate, we should have one standard or two, has stirred up a hornet's nest.  They tell me that the conversation is unusually civil for a discussion forum, but I don't think I'm having to read too far between the lines to see some heat in the discussion.

The question has been refined a bit, largely with the input of insurance professionals and agents.  They point out that in practical terms, the way the market exists today, it is impossible for an insurance agent to act (in a strict sense, at least) as a fiduciary. 

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