Subject: File No. 4-637
From: Ron Chan

February 1, 2013

Dear Members of the Securities and Exchange Commission:

Full disclosure and transparency are the best ways to insure fair play and knowledgable investors.  We have every right to know how our money is utilized and invested.  If we don't agree, we can move our money to another company. 

This is not just about dollars and cents, it's about cultural values, beliefs in what is right, and ethical business practices.

Require full disclosure.

Thank you for considering my comment.



Ron Chan