ONE: Now that the minister has again made it clear term insurance is not a category one product, will you require me to be an authorised adviser, or will you be happy to accept me as a registered adviser provided I stick to category two products and services?

TWO: I've read in recent discussion documents that registered advisers will face a fee of $350 for registration  - a lot more than what is charged right now for company registration. They plan to charge $1,385 for authorised financial advisers. Will you be lobbying for the Securities Commission to reduce proposed charges for advisers to something more reasonable?

THREE: I know that in order to be compliant I will need to demonstrate "reasonable care, skill and diligence". Do you have a position what that is? Will you be running programmes to help me comply? Who will run them? When? How much will they cost?

FOUR: There has been lots of talk in the media about how qualifying financial entities (QFEs) may enjoy certain advantages, and the Securities Commission's own estimate shows that it thinks there might be 10,000 advisers in QFEs going forward. Will you be making a QFE offer in time for me to actually decide whether to join before registrations open in the second quarter of next year?

FIVE: This all looks like it's going to cost a lot - how will you make that easier for my business?