I am a licensed insurance professional and variable product salesperson. I am writing to you concerning the suitability standard and principal review requirements pertaining to the sale of variable annuities contained in NASD proposed Rule 2821. I urge the SEC to disapprove NASD proposed Rule 2821. It is redundant with other NASD rules on suitability and supervision. NASD must strengthen their existing rules rather than making a new one. Thank you for your consideration of my views on this matter.