Subject: File No. S7-26-07
From: Scott Harper

November 14, 2007

Unless commercial brokers are held to the same standards, rules, regulations and laws as the securities brokers, undue and unfair liability will be put upon the securities brokers for the improper actions of the commercial brokers. Current legal philosophical differences occur between the two industries ("Full and Fair Disclosure" vs. "Caveat Emptor". If this is something that is inevitable for politcal reasons then two things must be included: 1) Stricter and more specific rules, 2) Education and testing.