Subject: File No. S7-12-10
From: James C Brown

July 11, 2010

I think that the disclosure tag line should include information about the mixture of equity, fixed income, and cash percentages. Also, the percentages should be a small range, say 5%. For instance, 50-55% equity, 20-25% fixed income and 20-30% cash, which should limit "required" buying and selling. A small table should be included in the perspectus showing how the fund will be re-balanced, say once a year and how the final mix will be retained after the target date.