Subject: File No. S7-08-07
From: Scott E. Shjefte

January 28, 2013

Rules on discloser of self-directed brokerages on closure of an account are so definitive that they end up tying up the customers account for long periods of time. During this time the brokerage has use of the money and the customer does not. I personally currently have $330,000+ in my 401K plan tied up because of $2.59 in residually Hewitt Money market payouts. This lock up of my funds is going to last at least 6 days and may last substantially longer. It is not fair or just that the 401K manager (BAE Systems) and Hewitt Financial Services tie up my money in this manner. Time is money and they are stealing my time value on a substantial sum of assets.