I’ve been in production for 18 months.  I’ve always given prospectuses for MFs or VAs.  I’ve been told recently that I have to make copies of whatever I give to anyone.  Even if it is client approved literature.  I didn’t think this was correct because on the series 7 you are grilled on correspondence, etc. and what has to be copied etc.  So I called compliance and was given an answer and then told to be sure call so and so.  I got three different answers.  The attorney said that copies only apply to mail and any MFs or VA presentation has to have a prospectus.  The other day I presented some bonds to a client, it had the disclosures included.  I made a copy of the solicitation on my  PC so I knew what I presented.  Anyway my office manager got wind of it and said he needed a copy of it and the client/prospect it was going to.  I did so but I said I didn’t have to if it was to one person.  I have no problem compling but I talk to so many prospects,…prospecting that I don’t want to spend most of time making copies and giving them to my assistant because I’d rather be marketing.