Subject: File No. 4-606
From: Chrisoula B Georgakopoulos

August 11, 2010

-The fiduciary standard looks back and enforces breaches retroactively through SECenforcement or private lawsuits.

The suitability standard looks forward and tries to prevent harm to consumers through ongoing and frequent FINRA and broker-dealer audits and compliance processes.

I disagree that the fiduciary standard has protected consumers better.