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Dear Editor, On 25th November, the Financial Services Authority published feedback on the Retail Distribution Review (RDR). The extra clarification of the distinction between independent and non-independent advice is welcome, and we support the widened availability of financial advice to consumers. However, it is important to get the distinctions with the sales category right, to ensure that it gives sufficient value and recognition to the full financial review and recommendation process. Independent advisers must provide unbiased, unrestricted advice based on a comprehensive and fair a...