Subject: File No. S7-06-04
From: Maria C. Desmarais

March 30, 2005

I am a licensed insurance professional and variable products salesperson. I am writing to you because the new disclosure requirements contained in the SEC's proposal regarding the sale of mutual funds and variable products are unnecessary and will provide no meaningful additional protection to consumers. Clients already feel like there in a mortgage closing rather than an investment.

Maria C. Desmarais
Financial Services Consultant

Financial Services Center at Chicopee Savings
Phone# 413-598-3125
Fax# 413-589-7271

Securities offered through Linsco/Private Ledger
Insurance offered through Private Ledger Insurance Services of MA, Inc.