Subject: File No. 4-606
From: Burton G Stewart, III
Affiliation: NAIFA,MDRT

August 30, 2010

I am respectfully submitting that the proposal that is being considered is both redundant and unnecessary. As a 30 year veteran of this great industry that makes a huge difference in the lives of the people we touch, it is yet another layer of complexity that creates a disincentive for the advisor and "yes" the customer too.

This is yet another example of trying to legislate the heart with even more rules and regulations in an industry already burdened with too many. Only God himself can truly change the heart of a man or woman. This is what our Founding Fathers believed when The Constitution was originally penned. This incredible document is more relavant today than ever before.They were right then and they are still right today.

Vote "NO" more interference