Subject: File No. 4-606
From: Tom Maenpaa

August 4, 2010

I have been a life insurance agent for 30 years and a registered rep for 24 years and I've adhere to my company's (New York Life) strict standard as well as the existing SEC rules. New regulation will be more cumbersome and will end up costing the consumer more. Please give us a break and let us who are honest and fair to our clients and companies try to do business in a more effecient wany and less costly. Thank you for your consideration. Tom Maenpaa LUTCF