Subject: File No. 4-606
From: Frederick A Nyberg
Affiliation: Partner New York Life

August 4, 2010

We are regulated to the limit right now.. every peice of paper and every application we use as been oked by 4 agencies and our compliance department holds us to very very high standards. Enough is Enough.

Be tougher on the violators and get rid of them quicker.
the most of us are very honest and try extremely hard to do what is right for our clients.