If you don't buy into the price rationing argument (I don't) then there is no objective other than enriching the incumbents, it's simply a legacy system. Increm

If you don't buy into the price rationing argument (I don't) then there is no objective other than enriching the incumbents, it's simply a legacy system. Incremental changes around the margins excepted nothing's going to change until something drastic upsets the apple cart.