Subject: File No. S7-12-18
From: Richard Sirois

August 13, 2018

Chairman Clayton,

I think it's extremely important for mutual fund summaries to be sent as a paper copy in a summary streamlined format. Without at least this format, most of us will not even be inclined to read through a lengthy report that is difficult to follow and understand. Let's at least adopt the streamlined version before going straight through to the online version only.
Richard Richard Sirois