Subject: File No. S7-41-11
From: Robert M. Williamson

February 13, 2012

Dear Sirs,

       I urge you to write rules that ensure no more bailouts of financial institutions that do anything OTHER than traditional banking are
     - separatede from traditional banks and
     - limited in size.
If they are not to big to fail, there will be no need for complicated rules and enforcement.


Robert M Williamson
Virginia Beach, VA