Date:    12/16/1999  11:38 PM
Subject: Disclosure Rule Proposals

The markets work best when they are effiencient.  No artificial pricing 
supports or ceilings, no artificial deficiencies.  In order to be efficient, 
select groups cannot have great advantages.  The selective distribution of 
information already provides an advantage for Institutions and Brokerages 
over individual investors.  They not only get the information first, but 
sometimes they are the only ones to get the information.
     
I am thankful for the Internet and the financial information that is 
currently distributed through it.  Having the information available to make a 
wise and prudent investment is necessary for many of us to save money for our 
retirements.
     
Sincerely,
     
Brian T. Dallmann