Subject: File No. S7-14-08
From: Sterling Hanson

July 10, 2008

I definately think that fixed index annuities SHOULD be a registered security. I am sick and tired of non-registered representatives hawking these products to my clients (I am a registered rep)--usually making false claims, and usually not dislosing the typical long holding times and huge fees that accompany these so called annuities. They give annuities a bad name