Subject: File No.
From: Sam J Shada

October 28, 2010

I am a licensed insurance agent and registered representative for the last 5 years and wish to share my concerns on File number S7-15-10.

The clients I work with are indeed middle class investors who are just trying to plan for the future, save for their retirement, and, "Get Ahead." This is not easy in our ever changing world and so they turn to me for help.

By incorporating the Competition Based pricing we will eliminate that, "Help," because the lowest price will provide the least service. Only those who have the profolio that can afford the expense of, "paying for service," will receive it and that leaves the Middle Class in the dark.

Do not abandon Middle America as they truly need our help.


Sam Shada