Subject: File No. S7-41-11
From: Dave Donald

February 14, 2012

Dear SEC:

RE: The Volker Rule

So ! The BIG BANKERS want to keep trading with " THEIR OWN " money.
Trading with my money and the money of we depositors.
.. " No No " they certainly say, "the money is OUR money".
.... IS it THEIR money at all ??

They use MY money to lend out 4 to 10 times MY deposit.
And some fraction of that lending is RESERVE.

Yet trading " THEIR " money is trading the RESERVE.


....... Hey get them to QUIT !! it is the stability of the system ! !

...................Dave Donald