Subject: File No.
From: Russell S Andrews, CLU, ChFC
Affiliation: Member, National Assoc. of Ins. Financial Advisors

October 27, 2010

Hi. The majority of money that is being charged is to big investors. The majority of people who are invested have small amountas of money. They need the service as much as the big hitters. If this fee goes away, brokers may well see it as a reason NOT to stay in touch with their lesser investors.
I oppose changing the fees for this reason. Thankyou, R S Andrews