Subject: File No. S7-14-08
From: Peggy L Irwin, Mrs.
Affiliation: insurance agent

July 14, 2008

As an insurance agent, I personally do not sell indexed
annuities, but I feel that moving all products under
securities would be hurting more than it would be
helping the industry. There are plenty of security
products allready for people who want to go that way.

Peggy Irwin