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Tough topic given the broad nature of advisors on the call, esp. given recent rollout of CRS - would have preferred doing that separately so as not to inter-mingle w/ state-registered advisors. And there was a section in the middle where it was quite the slog of all the ways that SEC will hang you for breathing wrong - but one thing that was CLEAR from this discussion - Cathy KNOWS this stuff inside-out, period.