Subject: File No. 4-606
From: Laura Jansen
Affiliation: New York Life Insurance Company

July 30, 2010

To whom it may concern...
Please do not impose another Fiduciary Standard for Registered Representatives. We don't need to be micro-managed or regulated more. This could lead to unnecessary lawsuits if we don't give the "best" recommendations. Just leave it alone.


Laura Jansen