Subject: 151-A

October 14, 2008

It would seem to me that in this time where the SEC has allowed disastrous disruptions in the market through the lack of supervision of mortgage backed securities that to pick on an innocuous indexed annuity is the height of irresponsibility. Owners of even the poorest designed indexed annuity should be elated as they have not lost money as have their friends who own mutual funds and variable annuities.

Let's get serious and put your enforcement efforts into areas where there is real harm being done.
Tom Vorenberg