Subject: File No. 4-606
From: Mark Vahala, CLU, CLTC
Affiliation: Naifa, NAM, DHRA, Notre Dame Sorin Society, Knights of Columbus, SERRA International,

July 30, 2010

Enough is enough. We are already audited once a year by our compliance department. We already have most if not all our transactions reviewed for suitablity. And the potential fines are already huge. What possible benefit is there to additional overview?

Stop wasting your time on new ways to pretend something is going to be better and simply hire more auditors to enforce the current environment.