Subject: Re: Changes To Rule 12-B-1

July 31, 2007

As an investor and a retiree, I feel that the current charges being distributed to the financial advisors is fair and equitable. They are providing a very important service to their customers and should be rewarded for such under the current rules. Any changes to the rules that would eliminate their fees and their financial advising services would do harm to a large number of investors who depend on their expertise.

John Bergstrom
Redmond, WA