I am a licensed securities professional in the business of helping people find financial instruments to enhance or start a an accumulation program. It is a rewarding business when you listen to people and with their needs, desires and goals in mind, assemble something that will help move them to that end. While I agree there is a need for close scrutiny of the industry, I am certain that current regulations are more than adequate. If there is a problem with some people in this business, swift and deliberate use of existing penalties and prosecutions should be persued vigerously. The overwhelming majority of us are as or more concerned about the suitability of what we recommend than the NASD. After all, if we ignore suitability we not only have to live with our conscience but when the sin is discovered will probably lose our businesses. NASD rules and regulations currently in place are all that is needed. Creating another regulation to target a tiny percentage of bad apples is a very good case of over zealous reactionary behaviour. Please urge the SEC not to approve the proposed NASD rule #2821. Thank you.