Subject: File No. S7-41-11
From: Scott Weikart

February 13, 2012

Banks holding government-insured deposits should _not_ be allowed to use those deposits for proprietary trading or other risky activities.

And banks that are "too big to fail" should not be allowed to engage in proprietary trading or other risky activities, unless they're taxed to make up the difference between the "too big to fail" cost of credit and the normal cost of credit.

I urge you to work hard to reduce the moral hazard on Wall Street. I think a strong Volcker Rule is a good start.

Scott Weikart

Palo Alto, CA