NOT DRIVEN BY BANKS!  The Banks make a great deal of money off the trailer fee. within the bank branch network, when an A Class Fund is sold in a bank, the trailer fee goes to the bank not the advisor. Fat Margin!  Please be aware I am talking aout the bank owned MFDA  advise chanel not the IIROC brokerage model. The banks are growing market share much more drmatically then the the independent channel  juts look at the top 5 mutual fund providers. 4 of the top 5 are banks.