Subject: File No. S7-11-13
From: Paul S Germo
Affiliation: CEO of a start up

February 23, 2014

As an inventor of many natural personal care products which are currently being prepared to be launched as a cohesive brand, I strongly believe that we need A+ to create jobs and stimulate the economy. This will be accomplished if average citizens are allowed to in companies selling capital. This wOuld be the democratization of the funds market and would excite common folk to invest and get in on the ground floor off amazing new ventures.