Subject: File No. 4-606
From: Maria M Ochoa, CLU, ChFC
Affiliation: Agent, Registered Rep,, New York Life

August 6, 2010

The insurance and finacial services industry is already regulated enough. Adding these extra layers of bureacracy only increases costs that are passed on to the consumer and makes it more complex and confusing for the consumer. We have enough bureacrats to support on the taxpayers' back already. The government needs to let the invisible hand of the market work Everytime the government gets involved, it makes matters worse....not better. Allowing the free markets to work is the best course for the future prosperity of this country. Please use common sense and vote for free market enterprise.