Subject: File No. S7-14-08
From: FrankieJo Lewis
Affiliation: Ilsa,Csa

November 17, 2008

I am very much opposed to the proposed rule file #S7-14-08. I am a national director for several carriers that offer excellent fixed index annuities. Despite our economic situation these products have held up very well or at least the client did not lose their money. So I ask please DO NOT PASS this ruling.
Thank You in Advance,
FrankieJo