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.
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.
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.