From: Dave Scavuzzo
Sent: June 15, 2007
Subject: 12b-1 fees

How many retirees will be left unattended because we can no longer justify spending any time with them? How can we justify the fuel it cost to travel to their location because they can no longer drive? I believe that the elimination of these service fee's only opens the door further for more abuse and fly by night one sale professionals. Don't those of us who provide a legitimate service have any value left?.

Dave Scavuzzo
Senior Vice President, Financial Advisor
The MSA Group @ Morgan Stanley