Subject: File No. S7-15-10
From: Howard E Bane, III

October 5, 2010

The returns in the money market fund in my Options House retirement account was 0.10% this past year. (CSAXX)

These are the fees paid for 0% return.

The actual fee for running the fund 0.15%
12b-1 0.60%
Other expenses: 0.29%

Not good for our futures.

However, please put in your findings the cost to Americans in interest paid by low risk savings accounts due to the amount of debt our country is carrying, which necessitates keeping our interest rates low. I would love to see that quantified. Much more of a cost than the 12b-1 fees

--Howard Bane