Subject: File No. 4-606
From: Michael G Murphy
Affiliation: Registered Representative, Ameritas Investment Corp.

August 27, 2010

I do not believe that there is a need to require a change in the Suitability Standard. Current Regulations already provide strong and appropriate consumer safeguards. A fiduciary standard will imply "lowest cost" and that is not what is in the best interest of the consumer. Lowest Cost is not the standard we should be using.