Subject: File No.
From: CHARLES A CASANO

October 27, 2010

I HAVE BEEN A LICENSED INSURANCE PROFESSIONAL AND REGISTERED REPRESENTATIVE FOR OVER 45 YEARS. I SUPPORT THE NEW SEC RULE 12B-1.HOWEVER I STRONGLY OBJECT TO THE SEC PERMITTING MUTUAL FUNDS TO ISSUE A NEW CLASS OF SHARES AT NET ASSET VALUE.THE SEC IS SLOWLY TRYING TO PUT REGISTERED REPS OUT OF BUSINESS BY CUTTING OUR FEES. DOES ANYONE KNOW WHAT THEY ARE DOING AT THE SEC