From: Gary T. Wolff
Sent: July 10, 2007
To: rule-comments@sec.gov
Subject: File No. 4-538


To Whom It May Concern:

I would like to strongly oppose any change to 12b1 fees. my clients have total and full disclosure we have on going service to our clients hand holding in down markets annual review summaries to our clients and planning with out compensation we could not do this. we would be forced to abandon the middle class be forced to only work with the wealthy. the middle class is the one that actually need the most help. I have many clients who would never have found the stock market with out me and would have sold at the wrong time as well.

Gary T. Wolff