Subject: File No. S7-25-99
From: girish a patel, CFP

August 24, 2004

DISCLOSER REQUIREMENT SHOULD APPLY TO ALL

For publics best interest all financial services persons geting compenstated directly or indirectly, by offering advice, services or products, should disclose all conficts of interests and how they get compensated.

Further more I support the postions of FPA,AARP and Consumer Federation of America.

Girish Patel CFP, CLU