Subject: File No. S7-25-99
From: Cary Carbonaro, CFP, MBA

September 12, 2004

Please withdraw the rule. It is confusing enough to the general public the difference between a broker, an insurance agent, and a training CFP professional. This is in the best interest of the general public. Please read Arthur Levitts book your former chairman. It will enlighten you.

Best Regards,
Cary Carbonaro, CFP, MBA