Subject: File No. S7-15-10
From: David W.M. Trammell
Affiliation: NA

October 14, 2010

Who are you working for, the special interest groups or the citizens of this country.

Why would 12b-1 ad any thing but negative value to a mutual fund's performance over time.

Once this thing is in place it will be almost impossible to remove.

Thank you for reading my concerns,

David Trammell