Sent: Friday, February 13, 2004 12:13 PM
Subject: RE: New Confirmation and Point of Sale Discolosure
Requirement

February 13, 2004

Attentention:  William Donaldson, SEC Chairman

I totally agree with the new SEC proposed investment guidelines
for Mutual Fund Companies and the sale of funds.  I would also
like to see Variable Life Insurance and Variable Ammunities
included.

The guidelines were reported by Michelle Singletary of the
Washington Post and were included in the St. Paul Pioneer Press
newspaper on January 23, 2004.

On all the quarterly communications from the MF companies, I
would like to see the symbol and all the expenses in dollars and
cents included.  So many Funds have similar names that it is hard
to keep them straight with out the symbol.

It would also be interesting to know how many people got burned
on Variable Life Insurance and Annunities and how much additional
money the brokers received for steering clients to these
investments.

Thank you,

Richard F. Kuettel
2617 Fernwood Ct.
Roseville, MN  55113