I am a licensed insurance professional and variable product salesperson. I am writing to you concerning the suitability standard and principal review requirements pertaining to the sale of variable annuities contained in NASD proposed Rule 2821. This rule is unnecessary and appears to furhter confuse both the public and the professionals. We already have adequate authority to handle the concerns of this product under the existing suitability requirements. Just enforce the existing rules and stop adding to them. We desperately need to simplify our world whenever possible. Please be part of that solution. Do not approve this rule!