Subject: Regarding rule 151A

August 28, 2008

I am 67,soon to be 68 yrs old,and retired my Securities License, Series 7, two years ago,to concentrate on the bottom of the Finacial Triangle , for many of my clients. Now ,I will be forced,into reapplying for a Securities License ,not to write Securities , but to just take care of clients ,who want fixed products , for part of their Portfolio. I am a student of this business and have been for over 40yrs.This makes no financial sense to anyone ,except,Broker Dealers,and those people who work ,with them. Please do not take away , my right to service my clients,and my right to earn a living
Dan Hearns
Dan Hearns
Sales Director
Oxbow Marketing Company