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I should have added to my post below, that IFA’s generally go on LA accreditation panels. These arrangements require very high levels of indemnity insurance and the IFA indemnifies the LA. Thinking about it, the more the LA considers additional scrutiny, the more it leaves itself exposed to that indemnity being challenged and no doubt should the LA’s collectively decide to become more rigorous, those clauses will be more heavily negotiated, than they are now.

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