Subject: File No. 4-606
From: Richard B Bowers, CLU LUTCF

August 24, 2010

I am tired of writting nice professional reasonable letters.

Gov't has two functions (to regulate and to administrate) what has it gotten us but a bunch of over paid worthless regulators and administrators.

You can not regulate or administrate the golden rule, you people (Gov't) can't even lead it by example.