• Gary Sanders (NAIFA): And that leads to my second concern which is that consumer confusion... I think, and we fear, in large part is going to be translated into a lack of confidence or a lack of trust in their advisor. 
• And in some way or another, the consumer is going to end up with the feeling that the advisor did some form of misrepresentation initially to the consumer and now the truth is coming out. 
• And I think that is a very big concern and not only would it harm the consumer's confidence in the producer, but it could have a lot of reputational damage to producer's as well.

2019 1115 - NAIC - IULISG - IUL Illustration Subgroup, Conference Call - [Bonk: Not in Proceedings]