Subject: File No. SR-FINRA-2008-046
From: Neal E Nakagiri, Esq
Affiliation: NPB Financial Group, LLC

October 20, 2008

This proposal seems reasonable, and I am generally in favor of it. I do have some concerns with giving up the regional flavor of NAC members, so I hope NAC members will still come from different parts of the country even under this revised selection process.