I laughed when I read the following blog post. http://www.moneymarketing.co.uk/regulation/hogarth-we-will-soon-know-the-winners-and-losers-of-the-rdr/1046231.article It is clear the winner of the RDR are the professional bodies like the CII who will have made a lot of money from people sitting exams and taking classes they otherwise would not have taken.