Subject: File No. S7-14-08
From: John W Miller

September 3, 2008


Up until 2007 I was registered with a Broker-Dealer
which wanted me to clear everything I did with them and write every piece of business with them whether or not it was in the best interest of my client. I am no longer registered with any Broker-Dealer because it is not in the best interest of me or my clients to be controlled by a captive Co. or Broker-Dealer for which may not have the best interest of my clients or tries to make me unload on clients products or services which are more costly and may not be the best products for clients.
Thank you for your consideration, John