Subject: File No. 4-567

October 3, 2008

As a retired person, with limited experience in securities, whose holdings are mainly held in mutual funds under my 401k, it would be helpful if the information provided under the web site provided links which would help explain how to read the prospectus and why it is relevant. Too often I feel like I am trying to unwind a tangled ball of yard. Information I would find beneficial would be help with the corporate structure, subsidiaries, holding companies, etc. Perhaps some sort of flow chart which might help explain why specific disclosure is being made and fits into the total picture.