Subject: File No. 4-606
From: Judith D Schoon
Affiliation: President of NWIndiana NAIFA

August 1, 2010

To Whom This May Concern ,
A large percentage of my clients are not rich , they may not be able to afford a fee based analysis. By the companies paying these fees thru commissions we can help a far larger number of clients . Our job is to help as much as we can , with the resources we have , by going fee based only you are eliminating a great source for a large amount of the population . There MUST be a better way, to accomplish the task you are after . Please consider this thought. Thank You -Judi Schoon