Subject: File No. S7-15-10
From: Daniel R. Brault, LUTCF
Affiliation: Financial Services Professional, Agent, New York Life Insurance Company

October 27, 2010

Hello SEC rules people.

Reading up on this proposed change had me concerned. I'm new to the business and this change looks like it would benefit the established, older and lager firms. I don't know how I will be able to compete and survive in this environment.

Thanks for listening, Dan