From: Anonymous
Sent: Tuesday, August 15, 2006 3:50 PM
To: Rule-Comments
Subject: SR-NASD-2004-183

I am a licensed registered representative of a broker /dealer. Please note my opposion to proposed rule 2821. The current oversight of Variable Annuity sales is more than sufficient. The proposed additional regulations will only create an environment where producers, like myself, will be forced to "dumb down" the quality of our recommendations.

No one knows our clients like we do. To create additional oversight at the broker/dealer level will only cost the client in the long run. The overwhelming majority of producers continue to make recommendations that we ourselves would follow. Please don't add more regulation simply because of a few "bad apples". Thank you