Subject: File No. S7-14-08
From: Rev. Thomas Petty, C.F.P.

November 13, 2008

Dear SEC,

I am a strong supporter of S7 14 08.

I am both a CFP and an ordained clergy person who knows first hand the vulnerability of the elderly to slick, misleading sales tactics with regard to financial product sales persons... especially annuities.

Thank you,

Rev. Thomas Petty, C.F.P.