Subject: File No. 4-606
From: daniel r liebers, mr

August 24, 2010

This is a poorly thought out idea:This could eliminate and have a negative impact on career agents and carrer companies.Eliminate commissioned based sales.Could force fee only business models which middle income households could not afford.Drive up errors and ommissions insurance.Drive agents out of the business.Ultimately low to middle income households ,who needs service and advice from the industry will be hurt.