Subject: File No. S7-14-08
From: Kenneth L Fletcher

August 23, 2008

Dear SEC,

Concerning 151A...please do the right thing concerning this situation To make FIA's a security because some companies and agents market them incorrectly would be similar to putting the brother of a misbehaving child in prison instead of dealing with the child who has misbehaved The truth is...it is NOT a security. The solutions and strategies that I often use to fix my client's problems are completely safe and guaranteed. NOT ONE DIME of their money is in the stock market. How can you call it a security? You cannot You can only use your power improperly, attempting to penalize those of us who use the solutions properly in order to "get to" those who use them improperly. Again, your strategy would create chaos if used in family discipline situations and it WILL create unnecessary chaos if you attempt to do this in our industry Please take some time to evalute the incredible harm you will do to our clients, our representatives, our industry...even our country...by your far reaching reach into an area where you do not belong Help us fix our problems, but please do not create much larger problems than the real problems we face every day Simply promise what physicians promise...DO NO HARM

Thank you for ALL the GOOD you do Please...DO NO HARM

Sincerely,

Ken Fletcher