Subject: File No. S7-08-15

January 11, 2016

Re: File no. S7-08-15. Shareholders must continue to receive written copies of mutual fund information through the mail. All of that complex information is too awkward to read on the computer. Besides, many of us investors are not all that comfortable reading information on the computer. I want to hold it in my hands and be able to go back to each page and highlight if I want.