November 18, 2008

Subject: 151-A s7-14-08

Please do not pass this. It is the last hedge and tool for the fixed income and retired person to be able to realize a modest interest rate without being exposed to the pitfalls of the market and paying fees. My elderly mom uses these products as well as my wife and I. It will not only hurt my clients but my family and me as well. I depend on these products to provide quality service to my clients and provide income for my family. You will put me out of business if you do this. I beg you use common sense and compassion in your decision making. Wall Street has screwed up the economy enough. Please leave well enough alone. If it isn't broken for God sake don't try to fix it!!!

Sincerely,
Luke T. Gelinas, MA Insurance Producer