Subject: File No. 4-606
From: Jean H McGuire, CLU

August 27, 2010

I am concerned about the impact of fee-based services on both myself and my clients.

The obvious cost to them---at this time/economic environment will be negatively perceived, and is likely to drove up the cost of mu own EO coverage.

The costs of remaining in business as a small business owner are already onerous---this legislation will make it even harder to remain solvent.