Subject: File No. S7-06-04
From: Donald C. Friedmann

March 14, 2004

Well done
We small investors have long needed such factual displays of the true costs of funds, annuities, etc.

Please implement these attachments as soon as possible so my investment life can be better organized/managed- even if seen after purchase. Obviously, I would like to see these attachments from funds several months before purchase.