Subject: File No. S7-14-08
From: michael e davin
Affiliation: lutc

July 14, 2008

I believe we have mounted a target against insurance agents, because we need more money in Wall Street hands.. I spent time at the stock excahnge in 2000 and was shown how there market systems worked, By the person in charge of operations, and i understand how greed can run amonk...I believe we need to correct the problems with wall street and not greate new ones... thanks michael e. davin