Subject: File No. S7-14-08
From: John McManus

October 20, 2008

It is the general publics right to have options other than the SEC. Why does investing have to become a monopoly? The U.S. economy supports more than just brokers. Unemployment is a current issue, with this economy I think we should consider why would we close this industry. It will hurt 1000's of families across the United States. Insurance Agents and thier families depend on a free economic system for choice and employment.

Regards,