Subject: File No. S7-12-10
From: Patricia M Stolte
Affiliation: small business owner, administrator of company 401K plan

April 19, 2012

In addition to the proposal, I think it would benefit most employees-cum-investors "with no background in any financial field" to have a clearly stated list of definitions for the terminology used in any prospectus.
I have a background that has allowed me to explain in plain terms how different funds work it is a process similar to translating from a foreign language, and one that only works well when the receiver is in their comfort-zone and not intimidated by the information.