Subject: File No. 4-606
From: Randy G McQueen, LUTCF, CLU, ChFC, CFP

September 3, 2010

Throughout the history of the financial services industry the basis of successful consumer business relationships have been founded in "trust". When a consumer, product provider, financial services representative, or Government official violates this underlying principal the system is damaged. It is irrelevant whether this occurrs at a bank, insurance company, brokerage house, or other financial institution. Therefore the only logical conclusion is to hold all to a "fiduciary standard". There will those who cry foul. However, I would challenge those who are addressing this issue to answer the following question. "Are you trying to develop a system based on the lowest common denominator or something better?" What is your vision?