November 22, 2008

Subject: File No. S7-14-08

Dear sirs, I strongly oppose this rule. I am a licensed insurance agent in Texas. The reason I started doing this is because so many people I knew needed somone to help them that they could trust. I don't feel that making annuities a product that you have to carry a SEC license will benefit people. The individuals that carry these licenses, really don't seem to view individuals best interest but put them in products that will make them the most money. From my point of view, what we do isn't really about us. It is about insuring people are secure and have the options presented to them that will benefit thier retirement needs. Anyone Thanks