Subject: File No. S7-14-08
From: Kyle Kirwan
Affiliation: Licensed rep insurance agent

October 14, 2008

I strongly disagree with rule 151A. As a licensed registered rep and Insurance agent, I feel this would only further limit the ability to genuinely help consumers to the best of my ability. People are not being hurt with Index annuities, they can not lose their principle due to market loss, or give back previous years gains. I would love to debate all relavent points regarding compliance and suitability. This is not the best use of safeguarding the consumer.

Thank you.