Subject: File No. S7-14-08
From: Arnold B Weiner
Affiliation: Registered Financial Consultant

August 11, 2008

I have been in the insurance and financial planning arena since 1970 I was series 7 and 63 licenced for years and about 2 years ago, let this expire for the following reasons.
1. I no longer chose to market products for plans that any chance of loss of principle if the client followed the plan
2. The introduction of index annuities provided the opportunity to participate in the growth opportunity with no risk of principle.
3. I wrote some of the very first products introduced by Keyport back in 1995 and saw the positive results of this product.