From: Mary L. Hradsky, LUTCF
Sent: July 13, 2006
Subject: File No. SR-NASD-2004-183

I've been in the business 22 years and a variable product sales person.
This letter concerns the suitability standard and principal review requirements pertaining to the sale of variable annuities contained in NASD Proposed Rule 2821. To impose the new proposed rule would only duplicate requirements currently found in the NASD's general Suitability Rule 2310 which applies to all sales of securities. Instead of the proposed rule being changed which will duplicate the 2310 Suitability Rule, I believe that people who engage in misleading sales practices should be prosecuted and subject to appropriate sanctions. I strongly urge the SEC not to approve the NASD's proposal, regarding NASD Rule 2821.

Mary L. Hradsky, LUTCF
Financial Professional
AXA-Advisors, LLC
1214 Woodland Court
Hampstead, MD 21074
Phone & Fax: 410-239-7734
Cell: 410-382-3232