Subject: File No. S7-15-10
From: Paul J Styve

July 22, 2010

Unless I change the format of my business to an advisor the new 12b 1 will put me out of business. I don't like the idea of .50% to .75% advisory fee and I really don't like all of the loaded fees in a variable annuity so I am not sure what direction my business will have to take after 20 years.