Subject: File Number S7-14-08

Kenneth Carrico

August 27, 2008

Florence Harmon
Acting Secretary
Securities and Exchange Commission
100 F Street, NE
Washington, DC 20549-0609

Florence Harmon:

I have been in the financial services field for 29 yrs and have seen a good many changes, most of them positive. As you probably are aware, there is a growing demand for qualified professionals in our industry - especially to serve the needs of middle income America. Rule 151A would create additional barriers for agents to enter/continue to serve their clients and future clients. There is significant costs to be licensed and registered in securities (3-5k per year minimum) and the additional compliance has already caused many good agents to exit that part of our industry. We MUST protect the financial well being of the public so I vigorously support all efforts to prosecute those who violate the trust of the people they claim to serve. But this rule will do much more harm than good so I urge you to withdraw this proposal.

Sincerely,

Kenneth C. Carrico