Subject: File No. S7-25-99
From: Warren E Lawrence, cfp clu
Affiliation: owner Objective Financial a Financial Planning Firm

August 23, 2004

The people who advise the public should play by the same rules. The brokerage community is no exception. They do exactly the same things that I do and need to be held to the same standards of Full disclosure of conflicts of interest, how they get paid and who they repersent, etc.