Subject: File No. S7-14-08
From: Douglas L Money
Affiliation: Insurance Agent

July 11, 2008

This proposed rule is only going on because the stock brokers are loosing business to the insurance companys and their agents. This has nothing to do with protecting anybody except themselves. They don't want any competition. If this rule goes into effect you have not only done a disservice to everybody but you have now taken away all competition. Not the American way.