Subject: File No. 4-606
From: Maureen A Kominar

August 5, 2010

Enough we are regulated enough.

Will I be forced to a fee only model to protect yourself from liability? My clients do not need to pay a fee for a plan
Can my clients afford to pay up front fees or will they be willing to? Most likely not
Will the liabilities drive up my errors and omissions coverage? Probably
Will I stay in the business if liabilities become too great?
Probably not.

Stop this now.