From: Bernie Wilson
Sent: July 13, 2006
Subject: File No. SR-NASD-2004-183

To whom it may concern: I've been assisting people with the purchase of variable annuities since 1983.
As with all my efforts in the field my guiding principle has been the placing the interests of my clients first. It has never failed me even in the most difficult of circumstances.
It has been my experience that the overwhelming majority of those who provide services as I do in this area are ethically driven as well.
For those bad apples who abuse the trust placed in them I say stronger enforcement of existing regulations is the answer for greater consumer protection.

This proposed regulation is redundant, no help to buyers and distracts attention away from stricter enforcement through repetitious rules . Furthermore it takes time away which could be spent helping my clients.
Bernie Wilson, CLU, ChFC