Subject: File No.
From: Subramanian Krishnan
Affiliation: Rep, Northwestern Mutual Life

October 28, 2010

Elimination of 12b 1 charges at first glance looks good for the consumer. In reality the consumer would have negative effect by their tendicies for racing for the least costing option and not looking for the long term service provided by the broker. Just like in no load funds service ultilized by the consumer is low. They tend to ill time the market by buying high and selling low and shoot from the hip.Value provided by the broker in the choppy market is worth the 12 b 1 they earn.