Subject: File No. 4-606
From: Steven R Hartman

August 1, 2010

The current suitablity standard governing broker-dealers and registered representatives is a heavily enforced standard. Compliance costs and the time involved are high and those costs are eventually felt by the consumer. Adding another layer of regulation means another layer of compliance, and potentially even more costs to our clients. I believe the current suitablity standard protects clients and potential clients very well at the lowest possible cost. I urge the SEC to allow the current system to continue to work for the benefit of all consumers.