Subject: File Number S7-15-10

October 18, 2010

As independent financial planners the average investment of our clientele is around $50k. In order to serve them the best we need to maintain our independence. The current financial crysis was not caused at our level but at AIG and the highest corporate, legislative and oversight level. Why is that times like this thye escape responsibility by passing town the bucket to us? I can`t think of a single case when any wrong doing occured on the Financial Planner`s level that have any effect on the current crysis.

George Somorjai