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Anonymous at 17:14 points out in the second paragraph how well they see themselves as doing and then in the third paragraph talks about how those such as him should have to do compulsory courses so they can compete with ABS and Big Firms. Surely the whole point is it is a different offering, and seems to be working well enough, and the simple fact is a small firm isn't going to have international banks coming to them just because they got a certificate in finance, marketing and client/business development.