Subject: File No. S7-06-04
From: Amber S Vanderpol

February 23, 2004

These forms look very useful. These forms should definitely help educate investor/potential investors. However, I feel that the forms should contain a couple more pieces of information so that investors can make the best possible decisions. I believe that the form should clearly disclose and explain the ramifications of the annual expense ratio and the annual turnover percentage for the fund. I realize this information is available in the prospectus, but I believe that investors would be better served if this information was placed alongside the information contained in your proposed forms.

Thank your for your work in this area, and I appreciate the opportunity to comment on these proposed changes.

Amber Vanderpol