Subject: File No. S7-14-08
From: ERNIE BARTEN

July 21, 2008

The proposed SEC151a ruling should be dicarded and droped immediatly without passing. This ruling is limited, targeted and discriminitory over other savings vehicles available to the public. Fixed Indexed Annuities are generally purchased for savings without market risk. There is no market risk with these annuities as there is with any CD, Money Market, or bank savings vehicles.
More harm and expense will be created for the general public if this SEC151a passes.
DO NOT allow this to pass.