Subject: File No. 4-606
From: Susan S Todaro

August 19, 2010

I have been an insurance agent since 1983 with a securities license.

What I have found in this indusrty is most agents do the right thing for the client without regard to personal gain.

There are few as in any industry that find ways to make personal gains at the cost of the client.

The new rules you are trying to impose will not change the few that choose to defraud their clients it will only place more rules on those that already obey the system.

As an agent we can only suggest what we feel is in the best interest of our client based on the info that they have been willing or able to give.
At some point the client has to make a decision as to what is ultimetly benefical to them. They must make the decision to trust the agent or ask another agent for help They too must do their homework.
We are not wizards with a crystal ball to future results in this industry. We are people getting as much education as possible to be able to help our clients.

Please don't regulate us out of business