Subject: SEC 12b-1

October 27, 2010

To whom it may concern,

Do you actually think the by openly disclosing the sales charges will help the consumer pic a better rep based on price?

When you go to the doctor do you feel like you should go to the least expensive one that does not know you or your history? Or would you rather go to your family Dr. who knows you and your past? You know you pay a little more for your family doctor because you are COMFORTABLE with him.

When my child goes to the pediatrician I pay for the benefit of knowing that she is the best pediatrician I can get. Regardless of price. I feel that when I am paying an advisor for his knowledge, reputation, good recommendations and overall knowledge of me as a client then I am also getting the best I can get.

Thank you,