Subject: File No. 4-606
From: david h lindau
Affiliation: certified financial planner, certified public accountant

May 15, 2013

I have been helping clients solve financial problems for over 50 years. I am a registered representative of a Registered Investment Advisor. I can tell you that most of my clients do not understand the difference between "suitable" and "in their best interest" (even though I have tried to explain the practical differences). Since many employers have stopped looking out for their employees-by dropping defined benefit plans-it is more important than ever that "suitable" be replaced by "in the best interest" for all and any of us that help people with financial plans and products. Please drop the double standard. Too many people are being taken advantage of.