Subject: File No. 4-606
From: Kent E Moss, CLU ChFC
Affiliation: New York Life Insurance Company 45 years as advisor

August 6, 2010

The addition of new and revised rules together with the present rules will be overbearing on the Agent/Advisor.

Present rules are mandated by the SEC, IRS, and individual States. The new rules create another layer of Federal Rules and an additional agency to fund.