Subject: File No. S7-12-10
From: Richard J Heinz

July 20, 2010

I feel that most of these changes proposed are beneficial. However, I also feel that administration fees of the various funds should be required in the prospectus or easily available and understandable to the average investor. I have had to scour my Target date fund and do the long hand math in order to determine my annual fees. It should be a matter of common sense. People like to know where the money they invest goes. Even if that's going to pay high administration fees, people need to be made aware of the cost of automatic transactions.

Thank you.