November 13, 2008

Subject: File No.S7-14-08

I am Susan Manrodt, member of tFPA and I support the proposed rule. I have 15 years of financial planning experience.I have met numerous clients who have been tied up in these products for years with poor performance and they did not understand it and did not know about the features of the product. These products are not understood well by the people who offer them and they cannot help clients understand how they work.