Subject: File No. 4-619
From: Craig Kern

August 16, 2012

Chairman Schapiro
U.S. Securities and Exchange Commission
100 F Street, NE
Washington, DC 20549-1090

Dear Chairman Schapiro:

My wife, and I depend on the services of a brokerage, and investment firms to hold, and manage what we have put aside to produce income to live on in our retirement. Many other citizens of these United States do the same.
That said: The changes being considered, and their effect on "money market accounts" would have a most negative effect on our strategy.
Therefore: I urge, and request that you do not pursue these changes.

Most sincerely;

Loretta D., & Craig F. Kern


Craig Kern