Subject: File No. 4-581
From: Kevin Ernst

May 4, 2009

We have lost so much money in the stock markets that was to be used for our two kids college education. I'm just plain MAD. How can this be? I don't have faith in the system anymore. I don't think it's fair for an investor like me that buys and holds. Do I have to watch my stocks every minute of the day to make sure some short seller isn't driving down my stocks?? I would like to see some changes in the sec.