To Whom it may concern,

Please do not adopt the NASD's current proposal for additional regulation of Variable Annuities. We already spend and inordinate amount of time on paperwork, and are under constant review for any VA's we put in place. I believe it is an unnecessary waste of time and resources for all concerned.

Thank you for the opportunity to submit my comments.

Sincerely,

Daniel G. Stockemer
Kansas

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