Subject: S7-14-08

September 2, 2008

I'm a writing you in regards to the proposal of rule change 151A. I really hope that you think thought such a proposition and make sure this rule does not pass. With the negative saving rate in this country and the need to for reps to be able to offer and have a strong motivation to learn/educate themselves about investment/savings/insurance vehicles..this rule does NOTHING to enhance the client or the rep. I strongly urge to you do NOT pass this rule. It benefits neither the client nor the financial rep

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