Subject: File No. S7-25-99
From: Jonathan Marc Miran

February 5, 2005

When someone poses as a financial advisor I expect them to tell me exactly how they are getting paid and what their bias is. Therefore I am asking you to revoke the Merrill rule. I would be highly incensed if I expected unbiased information and got ripped off by a salesman with an axe to grind. Thanks, Jonathan Miran