Subject: File No. S7-14-08
From: Mike Litwiller

September 11, 2008

Hello,

Please do not put this rule in force as alot of people who need a secure risk free investment would suffer. I write alot of annuites fixed and indexed products and people are always relieved to know they can't lose money in a tanking market. I feel this would be a grave error as alot of people depend on access to these products. I also feel most sec brokers would not sell them as they make their money selling mutual funds ect.

Mike Litwiller