Subject: File No.
From: Gary B Haibach, CLU ChFC

November 5, 2010

-RE:file # S7-15-10 Based on a 40 year career as a family independent insurance agent and registered representive,I am opposed to allowing broker-dealers to set their own commissions. This could be last straw in taking away the one on one in the home agent sales and service in financial services. Witin a few years broker dealers will saying "Sorry ,but the market(SEC) won't let us compensate you enough to cover all your busness needs and make a living too."