Subject: File No. S7-06-04
From: Max L Harris
Affiliation: Registered Representative

February 10, 2006

FULL DISCLOSURE is what any professionsl wants and the client needs to make an informed decision.

The SEC's proposed Point-of-Sale Full Disclosure Rules,(File Number S7-06-04), is NOT the answer. It is semilar to all the pages required in a current prospectus with its admonition to "read carefully before investing".

As proposed, S7-06-04, will add cost and confusion to the sales and decision process and therefore hurt instead of help the investor.