Subject: File No. 4-606
From: felix I Garcia

August 20, 2010

We are regulated enough as it is. Adding another layer of regulation means another layer of compliance, and even more cost to clients. I may have to hire someone in my office whose sole job is keeping up with compliance. The paper work involve and time spend doing compliance takes to much time away from sales. It seems to me we will have to spend more time with compliance than sales. Please do not add another layer of cumbersome compliance we already have enough