Subject: File No. S7-14-08
From: Brian Davis
Affiliation: Annuity Sales

November 18, 2008

I think it is 100% wrong that the sec is sticking it's nose into our business of selling indexed annuities.You have allowed the (brokers) to sell investments where people have lost Billions of dollars with little or no reprecutions to the brokers.We the indexed annuity agents can sleep at night knowing that our clients money is safe and will be there when they need it.I think you should clean up your house before you start putting mandates on our business.