Subject: File No. 4-606
From: Joseph P Miller
Affiliation: NAIFA

August 9, 2010

I don't feel any additional burdens need to be placed on our industry. The banking industry and its agents have erroded the life ins business. Our industry has guidelines and are followed closely at present. Why impose more regulations. As the old expression, if it ain't broke, why fix it. Joseph P Miller Countryfinancial Representative.