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Great article be I respectfully disagree with the following statement:  "Our (Yes another opinion) feeling is that transparency doesn't need to end or grow, it needs a redefining."

Despite efforts by the self serving in our business, the definition of "transparency" NEVER changed.  It was hijacked and used as a marketing ruse.  Consumers NEVER believed it, as you point out. Only the most gullible in our business believed it.  In our business true transparency is when BOTH parties in the transaction have the same information AND equal ability to interpret it.  In that case, the product becomes a commodity, which eliminates the "middle man."  Yes, that's the dealer.  And that is called "disintermediation."

Let's be clear.  That's what it is.  Period. Dale Pollak notwithstanding.  Dale brilliantly points out in his books that transparency leads to an "efficient market."  For some reason, he forgot to mention the disintermediation part.