Subject: File No. S7-08-09
From: Guy A Cloutier, CLU
Affiliation: Charter Life Underwriter

May 4, 2009

To Whom It May Concern:

As a responsible investor I would request that you re-implement the up-tick rule that worked so well for so long.

I would also request that the SEC enforce the naked short rules to prevent further market abuse by a few well monied individuals/hedge funds to the detriment of the marketplace as a whole.

Time to level the playing field and have the market work as it was in theory intended to.

Thank You,

Guy