Subject: File No. 4-606
From: Charlotte F Crawford
Affiliation: retired University of Illinois Extension Consumer Family Economics Educator

August 24, 2010

I hope the SEC takes this study opportunity to make sure all financial professionals adhere to a fiduciary standard and put their clients best interests first when providing investment advice. Its a standard that investment advisers have been following for decades, and now its time to take an important step in clearing up investor confusion and ensuring that a fiduciary obligation applies to all investment advice, regardless of who provides it.

Consumers and families depend on the fiduciary standard to help them to achieve their financial goals.