From: Nancy A. Griffin
To: Rule Comments
Sent:July 12, 2006
Subject:Rule 2821

As an insurance professional of some 26 years and a variable product salesperson I am writing concerning the NASD Proposed Rule 2821. While I believe individuals who engage in misleading sales practices should be aggressively prosecuted

And subject to appropriate sanctions. I don't see how the adoption of this rule will adversely affect those individuals, how-

Ever I do see how it could affect my business and other agents like myself who go about their day to day business in An honest and ethical manner with their clients.

It would be a redundant, and unnecessary, and will provide no meaningful protection to the consumer.

Sincerely,

Nancy A. Griffin