Subject: File No. S7-14-08
From: Ronald J Carr

July 30, 2008

The fixed annuity issue as far as the SEC goes makes no sense. Way would you over regulate and raise cost to the consumer in this county. You cant justify taking a position that adds no benefits to the publics interest. Morally and legally you cant justify your position only politically. This issue is driven by greed of some of the parties.
RJ Carr