Subject: Comments for File Number S7-12-11

May 19, 2011

Iím writing because I was affected by the economic collapse of 2008, and we donít want it to happen again.

My home is worth a fraction of it's purchase price and I have been unable to sell my previous home, no matter how much I lower the price. As I result, I am struggling to handle two mortgages, hoping for better times.

Meanwhile, the greed on Wall Street runs rampant. Their bonuses, their hubris, their arrogance must come to an end - for all our sakes.

One way to change the incentives so Wall Street doesnít collapse our economy again would be for regulators to set up a way for shareholders to grab back ill-gotten gains.

If it turns out that the profits in a given year were built on shoddy practices that become clear in the out-years, those bonus payments should be forfeited.

Thank you for considering my comment,

Madeleine Drake