From: Kim Zuber [zuberkim@yahoo.com] Sent: Thursday, January 22, 2004 3:15 PM To: rule-comments@sec.gov Subject: New Confirmation and Point of Sale Disclosure Requirements Dear Secretary Katz: I wish to encourge you to pass the regulations that you are considering. I am a pretty well-informed consumer. I researched the brokerage industry and decided to go with USAA due to low costs with excellent help. I researched my mutual funds with Value Line and Morningstar. I went for a no-load fund after reading all the pros and cons. I understood 12-b charges. I compared 'real' cost by using the Morningstar info. And still I ended up getting burned by Janus. I thought I had done everything right. I had spent time and money researching but I am just one person. Please, please continue your crusade. Even those of us who feel we are pretty savvy, need protection. Thank you again Kim Zuber __________________________________ Do you Yahoo!? Yahoo! SiteBuilder - Free web site building tool. Try it! http://webhosting.yahoo.com/ps/sb/