Subject: File No.
From: Dennis McDaniel
Affiliation: Personal Financial Representative

October 27, 2010

It is an intriguing idea, because of the nature of the offer. I think the problem will be that there does not seam to be any limt on the proposal. So if the companies are offering we agents more money how much more is allowed, and of course the bottom is zero whitch will result in very slow activity for there product,(I would presume) because we are the ones that do the majority of the selling of Mutual funds.
I am not sure what the advantage or disadvantage is in other words. I wondering how the S.E.C will proceed in finding out. Unchartered water's are exciting and dangerous at the same time.