From: Jerry Webb
To: Rule Comments
Sent:July 12, 2006
Subject:File Number SR-NASD-2004-183, Amendment Number 2

Dear Ms. Morris:

As one of the youngest members of the Million Dollar Round Table in 1968 at the age of 22, I have seen first hand the abuses of overzealous salespeople in the sale of VA contracts. However, the new no-load VA products that have recently become available through companies like the "Jefferson National Monument Advisor" are very good for clients who want to do a 1035 exchange from contracts with high M & E expenses.

My desire to educate consumers to the cost advantages of these no-load contracts should not be negatively impacted by new regulations and disclosures that will increase my costs, which must be passed on to the consumer.

I would like to respectfully suggest that any regulations, disclosures, or educational requirements proposed would exclude true no-load VA contracts. I would be extremely disappointed to see consumers have to pay higher fees for us to educate them on alternatives in their choice of products.


Jerry L. Webb

Financial Planning and Advisory Services offered through Prairie Financial Group Advisory Services - A Registered Investment Advisor. Securities offered through Mutual Service Corp - Member NASD / SIPC. Prairie Financial Group is not affiliated with Mutual Service Corporation