Subject: File No. S7-06-04
From: Robert F Andrews

March 15, 2004

I agree that seller of mutual fund should tell all. The ful costs, what their company expects to get, etc. I invest in mutual funds, and would like to know the full story on each fund that I put money into.

Robert F. Andrews
1864 Castle Oaks Court
Walnut Creek, CA 94595
925-933e-6569
boba28@aol.com