Subject: File No. S7-07-12
From: Thanigai Ranganathan
Affiliation: IT Professional Active Individual Investor

September 30, 2012

1) The Government should include Financial Literacy in schools
2) SEC should draw implement a plan to certify "accredited investor" based on financial knowledge and risk tolerance levels, rather than self proclamation based on wealth or income.
3) Hedge Funds need to have more controls, as they have potency to impact the entire investment world, not just their richer clientele.