From: Michael Yopko
Sent: July 9, 2007
Subject: File No. 4-538


leave 12b 1 fees as they are they arent excessive and pay registered reps for servicing accounts. I am more worried by fee only planners who except fees back from discount houses such as Charles Schwab and dont disclose them. they are very excessive and wshould be looked at first

thanks michael yopko