From: Jerry L. Courtney
Sent: July 13, 2006
Subject: File No. SR-NASD-2004-183

Dear Sirs,
Please do not approve NASD proposed rule 2821 as it unnecessarily duplicates current rules in place. We continue to be bombarded with rules and regulations. I would ask that we take a moratorium for about 5 years and let things settle down.

Thank you,

Jerry Courtney

Jerry L Courtney, CLU, ChFC
Financial Representative
520 Washington Street, Burlington, IA 52601
Tel: 319-754-6278
Fax: 319-754-1011
Cell: 319-750-7720