Subject: File No. S7-14-08
From: Shauna R Caplinger

September 2, 2008

I am a licensed insurance agent and a mother of two in the state of Indiana. I am an independant agent. The proposed rule 151A would GREATLY impact my livelihood.

In addition to reducing my income by around 33%, It also would serve to reduce the amount of service I can offer my clients.

PLEASE VOTE TO KEEP FIA's THE WAY THEY ARE - INSURANCE PRODUCTS....THEY ARE NOT SECURITIES. Thank you.