Subject: File No. S7-06-04
From: Kathryn Huber

March 1, 2004

I think these forms are great. It would be nice to have them in slightly larger print. I also think the broker should have to disclose nuisance fees like the annual fees charged on most IRAs and Annuity Accounts.

On a separate issue, it would be nice to have the Prospectus show how an investment would change if the dividends are not reinvested.