Subject: File No. S7-06-04
From: Dennis Berthold

March 22, 2004

Thanks for this opportunity. The forms are a real improvement and Im glad to see them made available. A few suggestions:
1. Clarify up front that a load is a fee, charge, or commission. Many new investors may be confused by the special terminology.
2. Tell investors that not all funds charge loads. They should know that there are no-load alternatives.
3. Include the URL for the SEC website on mutual fund information. It is a very helpful site for first-time investors.
4. In section C of the forms, total the charges, and explain how long the revenue sharing continues. Is it just one year?

Thanks again.