Subject: File No. S7-06-04
From: Harold W Lewis

February 17, 2004

I think brokers and brokerage firms should give full disclosere and comparison of fees for mutual funds. In 1999 when I retired a sleasy broker invested my total retirement in class B funds just for his commissions. I learned years later that with over 300,000 investment that I could negotiate a lower fee and commissions with a reputable firm. Therefore I would have chosen a reputable firm and not Merrill Lynch.