Who will supervise the Assocation and enusre it does not end up pushing so-called "simple products"?Our regulatory framework is already enough. MONEYSense supposed to does its educational job. But the problem is that MAS is not exercising is regulatory power and MONEYSENSE seems to lack the authority educate and advice on specific insurance and investment matters. So far it only touch on easy stuff like cash flow and CPF (risk-free) matters.We do not need another entity like an Association. We need to help MAS to wake up and help MONEYSENSE to do a more practical job to move into day-day issues like insurance and investment problems.