Subject: File No. S7-08-15

January 11, 2016

I want to receive share holder reports of my mutual funds as they are now. I do not want to jump thru hoops and meet deadlines to receive my information. I want my reports on paper where I can read them at leisure in any room or place of my choosing. Please do not change the way I get them because at my age I have enough trouble just trying to cope with technology in this fast pace world. Thank you.