From: Conrad S. Banner [csbanner@verizon.net]
Sent: Thursday, February 19, 2004 12:02 PM
To: rule-comments@sec.gov
Subject: Re: (s7-06-04) Proposed Mutual Fund Disclosure Regulations

Please err on the side of requiring more disclosure than necessary. The "average Joe" needs 
protection from the avarice of the funds and their managers.

Conrad S. Banner