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July 21, 2005


Mr. Robert Morfin
Compliance Manager
New Benefits LTD.
14240 Proton Road
Dallas, TX 75244-3635


Robert,

I have been working with Coast to Coast and New Benefits for over 10 years. I have been extremely pleased with both the business and personal relationship that has been developed over this period and is ongoing. All of the personnel at New Benefits are very helpful and responsible in support of our marketing efforts.

One of the most important resources New Benefits provides is in the area of Compliance: both State and Federal requirements. As more and more States adopt new regulations for our industry it is of vital importance we stay abreast of any new developments.

The relatively new Compliance Department at New Benefits has been of great assistance to us. In today’s world, and as we go forward, I am very reassured of our ability to stay current in the regulatory area because of the support provided by your Compliance Department.



Kindest regards,


William R. Strack
President