Subject: File No.
From: Donald A Brown

November 1, 2010

Once again, we find ourselves facing yet more regulatory reform designed to protect the small investor, however they will be the ones most harmed by this. Allowing the Broker/Dealers to set pricing will force the market of the lower to middle class to invest blindly without advice. The unitended consequence of this action cause more harm then good to those it inteneds to help. Without an ability to earn compensation no advisor can function with those lower to middle class investors, the companies will line the pockets and the consumer will pay the price. In the end the service will be given to those that can pay for advise and those that can't will be left to their own devices.