Subject: File No. 4-606
From: James Stuart Neff , II
Affiliation: Independent Agent

August 24, 2010

-We are regulated enough please no more compliance cost thousands in time and actual money.
Both I and all other agent I know DO act in our clients best interest - the market demands it. If someone expect to make a good living and have a long career they must always act in the clients best interest.

Please spend your time and energy rooting out the bad apples and stop punishing everyone for the sake a the very few.