Subject: File No. S7-06-04
From: MORGAN ROWZAN

March 18, 2004

ALL THESE IDEAS ARE GOOD FOR THE AVERAGE INVESTOR...BUT IF YOU DONT PUT THE CROOKS IN JAIL OR PUNISH THEM WHERE IT HURTS ......MOST INVESTORS IN MUTUAL FUNDS WILL CONTINUE TO BE BEATEN BY THE INDUSTRY THAT 95 FAIL TO BEAT AN INDEX FUND...
SEND THEM TO JAIL, TAKE THEIR HOMES AND OTHER ASSESTS AWAY...THROW THE BOOK AT THESE CHEATS..