What's missing? Investor education. We know that investors are still unclear on the differences between financial professionals. Should the SEC update the RAND study, now that we have had a few years of experience with Form CRS and ADV Part 2B? Should investors be aware of the difference in duty when a financial professional switches from a fiduciary adviser role (1940 Advisers Act) to a best interest role (1934 Act). Is there any benefit to investors for the SEC to use current ADV data to report on who is a "dual registrant"?