Subject: File No. S7-15-10
From: David Hensley
Affiliation: Principal, Asset Protection Network, Inc.

October 11, 2010

The rules being proposed such as:

My observation is all of these rules will adversely impact many of our clients by forcing them into higher costs over the long term in fee based accounts, my representatives I supervise will have their business model destroy, and it most likely will negatively impact INVEST Financial, my broker dealer.