Subject: File No. S7-26-07
From: Thomas A Waugh, ChFC
Affiliation: Partner- Agora Wealth Management

November 14, 2007

I feel with the issues coming to light regarding past business activities, and issues already surrounding real estate sales, and mortgages," letting the fox into the henhouse" is a bad idea and will lead to excessive sales practices in this arena much the same as in the housing market.Please re-consider the idea more carefully and I'm certain you might arrive at a better conclusion.