Subject: File No. S7-14-08
From: WAYNE D BREITAG

October 13, 2008

SIRS:
AT THIS TIME IN OUR ECONOMY, OUR FOCUS AGAIN COMES TO THE CERTAINTY OF GAURANTEES AND SEPARATES THE VOLITILITY OF THE MARKET. IT HAS ALWAYS BEEN THE ANNUITY WHETHER FIXED OR INDEXED THAT HAS MAINTAINED ITS GAURANTEES. THIS PRODUCT WAS DEVELOPED THROUGH THE INS COMPANIES AND SOLD THROUGH THEIR AGENTS. THERE IS ABSOLUTELY NO NEED TO CHANGE ANYTHING DURING THIS TIME IN OUR COUNTRYS PROBLEMATIC FINANCIAL WOES. THIS WILL ONLY DO HARM TO THE COMPANIES AND THE FAITH OF THE GENERAL PUBLIC IN ALL INVESTMENTS. THIS IS ONCE AGAIN A FIXED ANNUITY AND THE GAURANTEES MAKE IT SO. NO ONE SHOULD SEPARATE THE FIXED FROM THE INDEXED, AND NO ONE SHOULD EVEN BEGAN TO COMPARE IT AS SECURITY. LETS ALL DO OURSELVES A BIG FAVOR AND STOP LISTENING TO THE UPPER CRUST, WHO HAVE GOT US HERE TODAY,
AND START THINKING ONCE AGAIN WITH COMMON SENSE LIKE IN THE FIFTIES WHEN WE ALL PROSPERED---