Subject: File No. 4-606
From: Bruce A. Holliday, CLU
Affiliation: RR-New Yok Life

July 30, 2010

Comments attached- We are regulated enough I have been a New York Life agent and registered for almost 40 years and have to adhere to my company's strict standard as well as the existing SEC rules . This new regulation will be more cumbersome and will end up costing the consumer more. Give us a break and let us who are honest and fair to our clients and companies try to do busines in a more efficient way and less costly (paper,time, and effort) Thanks for your consideration. Bruce A. Holliday,CLU