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.

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Best Regards,
Cary Carbonaro, CFP, MBA