Subject: File No. S7-28-07
From: Jennifer Smiljanich, CFP
Affiliation: VP Operations, Hylant Financial Services

January 24, 2008

I think this does a nice job of hitting the highlights. A few things I think are missing -

Notation of any early redemption fees, such as within the first 90 days or year of purchase

Management fees - notation of any performance based fees that may apply.

Current fund asset allocation in cash, US stocks, International stocks, and bonds. If the fund is a global fund but invested 80% in US stock, it would be helpful to have that information.