Subject: File No. S7-06-04
From: Shirl M. BREITLING

February 5, 2004

Include the penalties for sales personnel, brokers, mutual fund companies, and their representatives e.g., lawyers, consultants, accountants completing the forms incorrectly or misrepresenting the actual state of the fund. Above and beyond the rapes and scraps charged by the fund, customers need to consider the avenues of legal recourse available in the event of misrepresentation to properly asses the over all relative risk assumed in purchasing the fund.