From: Kathie Okun
Sent: August 5, 2005
To: rule-comments@sec.gov
Subject: File No. SR-NASD-2004-183


Kathie Okun
2744 Old Court Road
Pikesville, MD 21208

August 5, 2005

Jonathan G. Katz
Secretary, Securities and Exchange Commission Securities and Exchange Commission 100 F Street, NE Washington, DC 20549-9309

Jonathan Katz:

I am a licensed insurance professional and variable product salesperson. I am writing to you because the principal review requirements and redundant suitability standards contained in NASD proposed Rule 2821 are unnecessary, will provide no meaningful additional protection to consumers and will adversely impact my business. I urge the SEC to disapprove the proposal.

Sincerely,

Kathie H. Okun