Subject: File No. S7-06-04

Please do not give us more paperwork to give to our clients. We have gone from a one page application for an IRA to a 24 page app now. That's just too much and confuses our clients more than helps. Please work to remove paperwork and ease the sales process, rather than put up more barriers. This will help our clients who are tired of signatures and volumes of reading to make a transaction.


Gary Hammer
American Family Insurance