Subject: File No. 4-606
From: Mark Winston

August 26, 2010

We desperately need a more common sense and consistent approach to government rules and regulations and adopting the fiduciary standard for brokers who provide personalized investment advice to retail clients is a step in the right direction. Acting in the best interest of the client versus making a suitable recommendation is a standard that is easily understood. Begin making government more transparent and adopt the fiduciary standard.