Subject: File No. 4-606
From: George L Coxhead, Jr
Affiliation: ChFC CLU

July 30, 2010

The disclosure, suitability, and compliance requirements with paperwork is already, currently tedious and crushing by way of paperwork,time and energy. To add new requirements would punish the honest, people who are trying to help their clients,and burden the clients with more layers of paperwork. It would dishearten clients to go through the process because it is so weighed down with too many regulations. Enough is enough. Do not add more requirements to an already suffocating set of requirements and standards. George Coxhead