Subject: File No. 4-606
From: Stanley J Hefner, LUTCF
Affiliation: Naifa Parkersburg WV

July 30, 2010

This past few years it seems that the suitability standards expected from Broker Dealer have expanded to the point where any additional requirements will make marketing any securities products an exercise in futility. I believe that by and large the majority of career people are honorable and want to be ethical in dealing with the public. Please do not cause any additional needless burden on us as I believe it will do more harm than good.