November 13, 2008

Subject: File No. S7-14-08

To whom it may concern,

I am writing to urge you as one of the regulators in the financial service industry to continue your probe of the indexed annuity practices. I have worked in this industry for over 25 years and I am always bothered by products that have caused such a stir in our business. Sometimes where there is smoke there is fire. Please finish what you have started and not be swayed by the noise.

Robert Burch