Subject: File No. S7-14-08
From: William R Robinson

October 20, 2008

Until very recently, I had a security license which I decided to give up in order to concentrate on fixed annuities and equity index annuities. From my vantage point, it would be a great injustice to the public and to us as insurance/investors. To eliminate us from the picture, would mean that the public would have to pay a financial advisor for the same advice we can give them for free. Please do not take this valuable product away from us and those who cannot afford to pay financial planners.