From: Mary Harvey [jmharvey@sunflower.com]
Sent: Tuesday, January 13, 2004 3:13 PM
To: rule-comments@sec.gov
Cc: jmharvey@sunflower.com
Subject: File No. S7-26-03

Dear Sirs,
 
     I am a small individual mutual funds investor.  I have no inside information.  
I don't time the market.  I do trade. That's what a small investor does. Sometimes 
I make a wrong choice or even change my mind.  Please don't penalize me by 
encouraging the mutual fund companies to hide behind a rule from you and charge me
unreasonable fees if I don't hold a fund for six months. You can stop the cheating 
by short term day timers by imposing the high fees for just that--trades in and out 
in just a few days.  Make it 3% or even 5% fee for short trades but keep the time 
period under 2 weeks.  You would fix the problem and not cause another one.  Please 
don't cripple me, I have enough problems already.  Leave the market free and unloaded.  
Please let me hear from you.
 
                                 Sincerely,  Joseph M. Harvey