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I don't claim the sky is falling, my point was just that as things change, we'll adapt and be fine.
Just like the credit card companies ae raising fees and rates and cutting back their members spedning limits before parts of their regulation kicks in - they infrastructure for the reform mandate needs to be paid for/put in place before participation can take place.
Change is still going to come as we become more of a globalized market and more towards a totally digital system. We need to embrace change and innovation in the way we do business.