Subject: File No. S7-14-08
From: Michael C. Moore

August 4, 2008

comments.
I don't need alot of space. Just to add my observations over the years that the biggest problem I'm finding in my agency (been in business for 41 years) are from folks who have had bad advice from people with their security license. Those clients that have had a fixed or indexed annuity with an insurance agent seem to be more satisfied with what they have than all the complicated issues dealing with products and agents that try to use complicated sales literature and sales tactics. I thnk we do a better job in keeping up with current issues and products that the others.
Thanks,
Mike Moore