Subject: File No. S7-14-08
From: Mark A. Ruccolo CFP™, AAMS
Affiliation: UBS Financial Services Inc

November 13, 2008

I think it is extremely urgent especially in this environment to keep the rule in place.
it will prevent abusive sales practices. In addition the oversight is very important and I believe has been successful.

aUBS
Mark A. Ruccolo CFP™, AAMS
Vice President-Investments
Financial Advisor
Advisory & Brokerage Services

UBS Financial Services Inc.
4643 South Ulster St. Suite 1580
Denver CO 80237-2869