From: David Harrington
Sent: March 31, 2005
Subject: File No. S7-06-04

I am writing in reference to the proposed "one-pager" disclosure.

Can't we focus on getting the customer to read the prospectus?

Could we work on a clearer or more standard "one-pager" in the prospectus?

We seem to always come up with more paper to put in front of the customer confusing and overwhelming them.

The extra paper also lessens the likelihood that they will read the prospectus in the first place.

As a licensed insurance professional and variable products salesperson, I can tell you that the addition of more forms or notices, usually lessens the chance of information transfer. The most straight forward prospectus, with clear language provides the best opportunity for getting the information across to the client. The stack of notices, letters and other required documents rarely get read.

David Harrington
Harrington Agency, Inc.
4800 Baseline Rd. Ste D200
Boulder, CO 80303