Subject: File No. 4-606
From: Mitch Arnold, CLU

August 24, 2010

We do not need another layer of compliance enforcement in our industry. The amount of time expense we have incurred in the past 5+ years for compliance suitability is enormous The has forced us to hire another full time staff person we can't continue to keep adding additional costs when the current system is working favorably to protect the consumer public. ENOUGH is ENOUGH