Subject: File No. 4-606
From: Kenny Divelbiss

August 24, 2010

I am getting battered with requests from the insurance and brokerage industry to protest the fiduciary standard for all advisors. As an investment advisor and insurance agent of nearly 25 years, I am in full support of the more stringent fiduciary standard for anyone who provides financial products, services and advice to the public.

Anything less is not in the best interests of the public at large in my opinion and I hope you do not cower to the pressure by large insurance and brokerage companies who wish to continue to operate in a less stringent environment.