Without what would have been the punitive defined-payment system, almost all advisers remain free to take their time to make up their minds about the future direction of their businesses. Some net-works and nationals will be promoting their multi-tie offerings and some providers will be working closely with distributors to find new ways to get their products to market. L&G’s link with Bradford & Bingley is interesting but it is perhaps how the big high-street retailers react that will be the most fascinating aspect. One or two may take advantage of the regulatory change this time. But whatever the banks do, Money Marketing believes that a strong adviser sector will continue to thrive and that a substantial proportion will remain indep-endent. It only asks readers weighing their options to check the fine print and for all those making grand depolarisation plans to remember the client and the customer.