Subject: File No. S7-15-10
From: james Clarke

October 19, 2010

Please stop 12b-1 fees. They are never disclosed up front with a broker they will just recomed the fund and not tell you what you are paying for.

I was brand new to investing in 1995 and I felt that the broker only recomeded to put my money in Mutual funds with 12b-1 fees.