From: Austin Kanter
Sent: July 19, 2006
Subject: File No. SR-NASD-2004-183

I have been a licensed securies broker for over 30 years and in addition to this I managed an office of registered represetatives for 20 of those 30 years. One of the products that we utilized frequently were variable annuities. I am unaware that we ever had a complaint for unsuitability. Consequently I beleive the action you are contemplating is totally unnecessary.