Subject: File No. S7-14-08
From: Brian M Erkfitz

July 8, 2008

I oppose the adoption of proposed rule 151a by the SEC for several reasons which will be outlined below and believe that the SEC is exceeding its authority in creating this new rule.

The consumer is and has been very well protected by the insurance company suitability departments and the states.

Do we really think this is the biggest problem the SEC has on it's "to do" list. I would like to suggest a few others.

1. Stock Brokers putting Seniors in investments they do not understand.

2. How about how RIA are encouraged to push certain products without regard as to the clients best interest.

3. Why does the SEC not address some of the abusive conservation measures brokerage firms employ to harass and upset clients who want to pull their money out of the market.

You will not that none of the issues are dealing with Fixed Equity indexed annuities. Are there a few bad agents? Yes should they be dealt with harshly? Most Certainly

Are we to enact rules for thousands to bring a few into compliance? Not in the AMERICA I LIVE IN.

Thank you for your consideration.

Respetfully,

Brian Erkfitz