That is where regulators have stepped up their game and made efforts to make it easier for all consumers to access the information they need to make wise decisions about working with a financial advisor.

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Third umpire Harper does not have access to television tools such as Hawk-eye or Snickometer and his role is as an advisor, with the on-field officials authorising the final decision.

BBC: Swann defends umpiring referrals

The president played golf with Steve Wynn, chairman of Mirage Resorts of Las Vegas last year, while gaming opponents say the best access they have managed so far was a meeting with Carol Rasco, Clinton's domestic policy advisor, more than a year ago.

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Justine Rivero is the Credit Advisor for CreditKarma.com, a free credit management website that helps more than 5 million consumers access their truly free credit score and free credit monitoring.

FORBES: Want to earn $650,000 more? Go to college.

Justine Rivero is the Credit Advisor for CreditKarma.com, a free credit management website that helps nearly 3.5 million consumers access their truly free credit score.

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