November 13, 2008

Subject: File No. S7-14-08

Sir:
In regard to indexed annuity sales, I feel "File No. S7-14-08" would help curb abusive sales practices, particularly aggressive and misleading sales tactics targeting the elderly. I live in a retirement area and see aggressive misleading sales tactics on a regular basis. More oversight is needed to protect elderly retirees.
Charlotte Crawford, CFP