From: Melody A. Anderson
Sent: July 13, 2006
To: rule-comments@sec.gov
Subject: File No. SR-NASD-2004-183


I Urge the SEC to Not Approve Proposed NASD Rule Imposing Specific Suitability, Principal Review Requirements for Deferred Variable Annuities. This is further duplication of regulations already in place. Suitability as a whole is under more scrutiny but all involved already, which is not a bad thing. However, I do not feel this proposed ruling would improve this area of concern in anyway. Thank you for your consideration.

Melody A. Anderson, CLU, MSFS, CHFC, CASL
Financial Representative
2201 Woodlawn Rd Box 626
Lincoln, IL. 62656
217-735-5465
217-735-4942 (fax)
melody.anderson@nmfn.com