The DOL rule is overkill. While working to go after a small portion of bad apples it will drive many advisors away from working with middle and lower class Americans. The added expense will make it impossible for advisors to work with them. The other issue is that the DOL is so over reaching in its scope while not completely understanding the consequences. They do not have answers to many of the questions surrounding the rule. In fact, they don't even seem to understand the full implications of their actions. This ruling is unnecessary and detrimental to the American public at large.