Subject: File No. S7-06-04
From: Jeanne L Montgomery, CSC

April 4, 2005

I feel there is already full disclosure regarding mutual funs, 529 and annuity costs. Addibg further forms and other documents will only serve to confuse the client. Since 2001 the additional Patriot Act requirements have added significant confusion, in my opinion working with clients who keep asking why the additional paperwork.