AS A REGISTERED REP FOR 15 PLUS YEARS I DO BELIEVE THIS ADDITIONAL SUITABILITY OVERIGHT IS NOT NEEDED BECAUSE OF THE CURRENT, EXISTING,OVERSIGHT REQUIREMENTS.BROKER DEALERS ARE DOING ADEQUATE OVERSIGHT TO CHECK THE RECOMMENDATIONS OF THEIR REPS.FURTHER LAYERS OF OVERSIGHT WILL ONLY SERVE TO SLOW DOWN SERVICE ADD ACQUISITION COSTS IN AN INDUSTRY THAT HAS SEEN STEADY TRENDS OF LOWERING COSTS AND INCREASED EFFECIENCY IN HELPING AMERICA PREPARE FOR THE RETIREMENT YEARS.

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