Subject: File No. 4-582
From: Ron Surz
Affiliation: PPCA Inc, TDA LLC and Cainsoft Inc.

May 1, 2010

Dear SEC,

You may find the attached of interest. It reveals the hidden risk in target date funds and recommends that fiduciaries make it go away by demanding better product.

Comments welcome. Thanks.

PPCA Inc, TDA LLC and Cainsoft Inc.
78 Marbella
San Clemente, CA 92673

Attachment (PDF)