Subject: File No. S7-14-08
From: Randi L. Gibbons

September 4, 2008

These products have been watched by insurance carriers. Suitability forms and current requirements met through compliance departments within insurance companies is enough.
This is only a way for broker/dealers to take fees. It will cut commissions for the sales people that do all the work in the field.
Please stop proposal 151A
Sincerely, Randi Gibbons