Subject: File No. S7-15-10
From: Clarence F Abell, Jr
Affiliation: B.S. Economics Baker University

November 5, 2010

Sir, I commend to you a letter from Ms Karen Dolan from Morningstar Mutual Funds Inc. On October 20, Ms Dolan wrote a detailed letter outlining improvements in clarifying mutual fund costs. I support her positions fully.

Financial fairness demands clear explainations of costs.
Regards, Clarence Abell CFA