Legislation in America is not yet federal, but insurers in 18 states cannot deny applicants coverage, cancel their policies or charge higher premiums on the grounds of genetic make-up.
Allowing those who set up new schools to make profits would certainly turbo-charge the Tories' plans, but other sorts of suppliers are likely to come forward.
Their main aim is to make sure that independent financial advisers charge up-front fees for their work and advice, rather than taking an annual cut of their clients funds as regular commission, of which the client may be only dimly aware.