Subject: File No. 4-606
From: John Luta
Affiliation: Certified Financial Planner

June 7, 2013

As a Certified Financial Planner, I am held to the highest of standards with regards to interactions with my clients. The financial markets have become increasingly treacherous for investors to navigate. It's time this country stood for protection of the individual consumer. They are suffering a great financial cost that our social programs are going to have to compensate for in the future without this common sense approach.