Subject: File No. 4-606
From: eugene t hinders
Affiliation: NAIFA

July 30, 2010

We have an extremely effective compliance department that adhears to the FINRA policies in the strictest fashion. More imposition would actually hurt the consumer because agents and advisors would simply have them sign disclaimers and failing that, would then revert to only the most mediocre of recommendation, regardless of suitability concerns. In an extremely litigeous society, the SEC does not need to make access to quality information more difficult for the public. Let FINRA do its job.