Subject: File No. 4-606
From: Barbara R Collins, CLU, ChFc
Affiliation: CLU, ChFC

August 27, 2010

I believe we already have enough regulations in place to monitor wrong doing on our clients. There is only so much regulation you can impose. I someone wants to take advantage of a client, no regulation is going to stop them. It will only make more paperwork for the honest brokers and impact our ability to serve our client.

Thank you.

Barbara Collins
mobile - 563-357-0673