Subject: File No. 4-606
From: Robert A Jenner

July 30, 2010

Compliance costs-both in terms of finances and time-are high, and those costs are eventually felt by clients. Adding another layer of regulation means another layer of compliance, and even more cost to clients.

I have licenses for PC,Life,Health,LTC,Crop,Series 6 securities.

My office spends 2 to 3 hrs per week in just maintaining compliance with these licenses.

There is so much paperwork with each insurance policy that deals with compliance issues that it delays issueing the insurance and is not beneficial to my clients as it is so repeatitive.

Please do not hold Reps to any further regulatory standards that will only cause harm to our clients as we will not be able to service their needs.