From: Kimberly Fay [kimfay98@hotmail.com]
Sent: Thursday, January 01, 2004 1:02 PM
To: rule-comments@sec.gov
Subject: S7-23-03:

The problem with the way they are starting to distribute any fines put on the 
corporations and individuals for naked shorting and market timing is it doesn't 
get to the people who lost the money. 

Our state takes money gained this way and puts it in their own special interests. 
Like the tobacco money. Smokers didn't see hardly a thing. We aren't even offered 
a patch to quit. They spent it on every thing but smokers and their problems. 
Health or otherwise. 

Wish someone would also look at this problem. If they don't. It will be business 
as usual and just a shift from one crook to the next. 

I'm sure this will get lost in the wind. I am just the little guy. If I can ever 
get into a position where I can make a difference for the little guy I am going 
to do it. Money really isn't that big of thing except when you don't have it. 
Many little guys were cheated out of some small hope to have a life with their 
family. It could have made a big difference in a small way. Wish things would 
change. Maybe crime and drug use would go down. 

Happy New Year.

Regards, 

Kimberly Fay
kimfay98@hotmail.com