Subject: File No. S7-14-08
From: Jeffrey L. Remo, CFP, CLU, ChFC
Affiliation: Remo Financial

November 13, 2008

I have been in financial services and financial planning for 21 years. I support the rule to register EIA's as securities. I think the products are terrible, should be thorougly regulated, and require salespersons to be licensed.

I applaud the direction you are taking on this and wanted to comment that I agree with your direction.

Sincerely,

Jeffrey L. Remo, CFP, CLU, ChFC
Remo Financial