Subject: File No. S7-14-08
From: Ray R Custer
Affiliation: Independent Insurance Agent

November 2, 2008

"Comments attached" If the ruling goes into effect it will be difficult for me as agent to service my customer base as needed. The products offered are safe and important means of helping obtain there financial security in retiring. More interference form the SEC will mean more paperwork and delay in helping our clients meet their goals.