Subject: File No. S7-25-99
From: Henry E Zapissek, CFP
Affiliation: Certified Financial Planner

September 7, 2004

Since 1985 I have witnessed the horrors investors have been subjected to by the Merrills, SmithBarneys, Morgan Stanleys/Dean Witters of the world. As an independent advisor we have had the task of unwinding these abuses created under the disguise of brokers pretending to be investment advisors.

Level the playing field to act in the best interest of the consumer. After all, it is their future in your hands.