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.

Recently I had the opportunity to take a long stretch of I-90. In between all the Trump signs (including many home-made ones) and all the Bernie bumper stickers (yes, this was in September, well after Primary season), I surfed the radio dial. Now, I’m quite unlucky when it comes to picking radio stations. It seems like all I can get are commercials. Give me music. Give me talk. Just don’t give me commercials.

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