November 13, 2008

Subject: File No. S7-14-08

Hello,

My name is Andy Crabb and I have been a Financial Advisor for the past 9 years. I support the Equity Indexed Annuity Rule because that investment has been misrepresented more than any other single investment to the public in my tenure in the securities industry. They are many factors never fully explained to people looking to purchase them and I have seen many cases where people were essentially lied to about the product and all of its liquidity risks, surrender charges and suitability issues. I very much support the Equity Indexed Annuity Rule.

Thank you,

Andy Crabb

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Andy Crabb
A&I Financial Services LLC