Subject: File Number S7-15-10

October 27, 2010

To whom it may concern:

I oppose allowing broker-dealers to set their own commissions! As broker-dealers lower their sales charges and fees in an effort to gain market share, it will no longer be financially feasible for registered representatives to continue to provide the level of individualized advice and ongoing service that we currently provide to our middle and lower market clients. As a result, only upper-income investors who can afford assets-under-management arrangements or higher cost/higher service classes of shares will continue to receive personalized investment advice. It's the lower/middle income population who need the most help in this area. Don't take away what we can help them with.

Thank you for your time.

Amanda Brayfield