Subject: 151a

October 13, 2008

Dear SEC,

The proposed rule 151a, if passed, would be like "ASSIGNING THE FOX TO GUARD THE HEN HOUSE"

If anything has been learned with the current financial crisis in America it that GREED is the culprit.

Please do not think for a moment that Brokers and the SEC will be able to protect the consumer better than the states Department of Insurance and the Insurance Companies and the Insurance Industry as a whole.

Any perceived problems now would multiply exponentially if 151a becomes a reality.

Allen Hall
Charlotte, NC