Subject: File No. 4-606
From: Randolph M. Sandusky, CLU,ChFC

July 30, 2010

I do hope that someone realizes that us registered reps that sell primarilly variable annuites and mutual fund are truly amply regulated. I spend many hours and dollares obtaining CE credits and firm element training. Our broke/dealers are also very involved in overseeing our business.

Between the time and the cost in doing business, it becomes difficult to make a profit.

I hope that consideration is given to the extent and adequacey of our current regulatory enviornment.

Thank You,

Randy Sandusky