Subject: File No. 4-606
From: pooja hemnani

July 30, 2010

I have been securities licensed since 1998 and I feel against the bill that you are passing. I feel that compliance can cost both finance and time highly both for the registered reps and for the client. I have been in the insurance business since 1993 having property and casualty adn life and health licensed. My company audits me at least once or twice a year. I am a small office sell security products since 1998 and have had no complains from my clients. I know that there are some bad apples out there but the majority of us do take the time and dedication to do right by the client. I feel that that this bill is going to crush the small business persons like me because of time and finance issues. Please reconsider this bill.