Subject: File No. S7-25-99
From: Vicki L. Lublin

February 7, 2005

I have been in the investment field for 25 years. Currently I am a Registered Investment Advisor and a Registered Representative with Royal Alliance Associates, Inc. I believe it is only fair and just for individuals to have the same reuse and regulations when it comes to financial planning. Please mandate the proper license and disclosures for any sales person, representative or individual who gives the impression that they are giving any advise. The general public has the right to have all the information and full disclosures. Thank you!

Vicki L. Lublin
Hartland, WI