Subject: File No. S7-14-08
From: Brad A Thomas
Affiliation: Certified Financial Planner

September 3, 2008

I have been in the insurance, financial plannig field for 25 years. Indexed Annuities have been the most abused product that I have seen and I fully support this proposal. As the underlying products are securities these products should be licensed and sold by registered representatives. The sales practices have been misleading since these products have been introduced.