Subject: File No. S7-14-08
From: Patrick A Walloch

August 14, 2008

I own a Fixed Index Annuity. I love nor having to worry that my hard earned money could be lost to a market downturn. I think that this is just a power play by some of the broker dealers to get a share of the pie. Leave these products alone. Not all annuites are bad for the people who have purchased one.