Subject: File No. S7-14-08
From: Jack R Lube
Affiliation: Financial Consultant,Thrivent Financial for Lutherans

July 11, 2008

I feel that if an agent is selling a product that is based on market performance even is it doesn't invest in the market, they should at the very leas hold a securities license. I personally feel that license should be a series 7 or higher. There are too many people especially in the state of Florida that are hosting seminars, giving very general information to seniors and then placing them in a product without regard to suitability. I time after time have people come to me not knowing what they bought or what was proposed to them.