Subject: File No. S7-15-10

October 19, 2010

Thank you for taking time to read this.I understand the environment right now and change is and has always been part of life.
The changes to the 12b-1 system is being looked at through the eyes of the client, which it should, but should also be looked at through the reps.We receive this compensation as a small ongoing fee for our small (less than $150k) clientsI believe that sized client will be left in the dusk by many practices and overtime, this may be just the sized client that really needs the attention as they are building for their futures.I understand change, but please consider this in your decisions.Gods blessings

mr kevin gustafson