November 15, 2008

Subject: "File No. S7-14-08

I agree with the Rule.

I have been in the Financial Services arena for over 40 years, a Certified Financial Planner for 20, and believe that abuses do take place in our industry.

Thank you,

Joe Appolito

Joe Appolito, CFP™
Associated Securities Corp, Member FINRA/SIPC, Registered Investment Advisor
Associated Planners Investment Advisory, Inc., Registered Investment Advisor