From: David Jonsson [dwjrej@msn.com]
Sent: Thursday, January 22, 2004 10:13 AM
To: rule-comments@sec.gov

12b)-1 mutual funds should be banned.  They are too complicated for 
the average investor to understand and have been misrepresented by 
many brokers.  We should have two types of mutual funds: front-loaded 
for investors desiring investment advice, and no-load for investors 
who don't.  Dave Jonsson