From: Clyde R. Martinez
Sent: July 19, 2006
Subject: File No. SR-NASD-2004-183

I firmly believe that people who engage in misleading/unethical sales practices should be prosecuted to the full extent of the law and I urge you to NOT approve the proposed NASD rule imposing specific suitability principal review requirements for deferred variable annuities.

Clyde R Martinez, Agent
New York Life Insurance Company
6565 Americas Parkway NE, Ste. 500
Albuquerque, NM 87110