Subject: File No. S7-06-04
From: Mary Clor

March 14, 2004

Over the years, I have had many instance where investment advisors and brokers have sold me one fund over another not because it was the best move for my financial situation, but because it provided more income for the advisor or broker. Like so many others investors, I feel used. Please pass this new ruling to help out the small investors like me. Thank you