Subject: File No. S7-15-10
From: Mr Ken Cangilla
Affiliation: President, Forthright Financial Services, Inc.

October 13, 2010

Dear Senator,

Removing 12b-1 fees is a bad idea. If you remove them, financial advisors will have very little incentive to continue to assist their clients in a plethora of financial matters. Do not sever this relationship between advisor and client.