Subject: File No. S7-14-08
From: Steven Vitanza CFP, ChFC
Affiliation: Senior Financial Advisor

November 13, 2008

I am a CFP,ChFC with 14 years of experience. These annuities must be regulated. They are one of the most abused products in the industry. It is so easy for a salesman to take advantage of even a sophistocated individual or couple. I have seen too many abuses with regards to these products. They must be regulated. Please do what is right, not political, and protect the entire industry. Also increase the fines for individual salesman and the parent companies. Keep this in check Thankyou, Steven Vitanza
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Steven Vitanza CFP, ChFC
Senior Financial Advisor
An Ameriprise Platinum Financial ServicesSM practice Ameriprise Financial