I would tend to agree with the "bad apple" scenario in most cases, except that it has been a constant for Raymond James Financial Services going on five years now. I realize these guys are independent, but why is compliance not seeing the trend and addressing it? Why are they not auditing these branches more frequently? The RJ&A broker mentioned in this link is an EMPLOYEE! Again, why is compliance missing these infractions in their audits? are they turning a blind eye on purpose?