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With or without a formal “fiduciary rule,” the DOL has successfully moved consumers – and the industry – on the path towards reduced conflicts-of-interest. (Photo: AP)

I don’t fly. I drive. That’s why I try to keep all my speaking appointments within a one-day’s drive from my galactic headquarters. Sure, I’ll go to the coast, but only by train (which I’ve done three times). Still, I prefer to drive. It’s relaxing. It’s dependable. And it gives me a chance to get a better feel for this great country of ours.

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