Subject: File No. S7-15-10

October 19, 2010

Most Financial Advisors help their clients not only plan for the future but enable through wise planning and partnerships to HAVE a comfortable future in retirement. The hue and cry heard across the land has more to do with 401k devaluation and home value depreciation rather than perceived hidden fees.
Please do not make the language of 12b-1 fees any more complicated for the average investor. Instead how about educating and encouraging the average investor to seek advice from persons of veracity and not their brother in law or other ,perhaps just as uninformed, source.
Ms. Toni Cessna