The much anticipated Royal Commission report on our sector will be released by the government following close of share trading on Monday and we can expect the press to focus on little else for the next couple of weeks. Many participants and product providers have already pre-empted its findings and have made sweeping changes to their organisations and pricing models. The report does not hold the force of law so, irrespective of what it contains, it will be up to the government of the day to determine its affect. Given the feeling of the moment though, it can be expected that much of the report will be implemented either by this government or, in the event of a change at the next election, the next one. Only time will tell. One thing’s for sure, the next twelve months will be interesting.