Subject: File No. S7-14-08
From: Joe d Brown
Affiliation: Insurance Industry

November 17, 2008

The Annuity Industry is very important for seniors,Were would they be now if they were in the market today,Equity annuity have been A great resourse to still get gains from the market,But not lose any money,If the market goes down,Please do not hurt me do to A couplr bad apples, I have been in the insurance business foor 16 years,I have treated my customers very good they have called to thank me for what I have done for them.