From: Timothy G. Carnago
Sent: July 14, 2006
Subject: File No. SR-NASD-2004-183

I am urging the SEC not to approve the NASD's position on Variable Annuities. The NASD rule #2821 has many redundant provisions, and will not provide meaningful protection to consumers.
Thank you for your consideration of my views on this matter.

Timothy G. Carnago #069016
Hutchins Brokerage/Greaves Agency
Transamerica Financial Advisors
555 West Granada Blvd., Suite G-9
Ormond Beach, FL 32174
Office: 386-760-1015