From: James A. Tollus
To: Rule Comments
Sent:July 13, 2006
Subject:File Number SR-NASD-2004-183

Enough already! I am a licensed and credentialed insurance and planning professional and I am writing to complain about continued regulatory oversight. The proposed rules applicable to variable annuities are duplicitous and unnecessary. Furthermore, the oversight being recommended suggests that all agents are guilty of abuse and need to be proven innocent. Quite the contrary. The vast majority of us are moral, hard working professionals doing what we feel is in the best interest of our clients. Embedded in all of the current regulations are all of the protective measures needed. Enough, please.

James A. Tollus, ChFC, CLU, CMFC
Sagemark Consulting
870 S. Pleasantburg Drive
Greenville, SC 29607