All the points made here are good, and YES the industry is definitely changing. That said I think one thing has been true since I started in this business and that is if you are fair and honest with your clients then you will have a place in this industry and have a chance to last. If you aren't then you won't. Brokers will always be needed in one form or another, it will be the ones who adapt to the changes in the Industry and treat their clients right that will be the ones left standing