Subject: File No. S7-14-08
From: richard g razmus
Affiliation: president of insurance agency

November 18, 2008

this bill will hurt the small insurance agency that realize
on inovated products to help our clients relize there dreams with a safe way to invest there money without marketexposer fees and look what happen when you let wall street handle anything but greed and coruption my client trust the insurance company to market this product properly not wall street ,their needs to be separation between wall street, and the insurance companys i have million of dollar invested in these products were no one has lost a dime i emplore you to not pass this bii