Date:    12/16/1999  7:39 PM

Subject: Proposed Regulation FD

I totally support the initiative to open up information disclosure of 
financial information that previously was the hid from individual 
investors by brokers and analysts.  Individual investors, which includes 
today in the US, a growing older generation of American with substantial 
financing resources who can put this information to good use in managing 
their stock portfolios with and without the services of full service 
brokerages.  This is a trend that is growing with the ageing of the "baby 
boomer" generation that will come on strong within the next 5 years.
     
The Internet provides a valuable service to all Americans today.  Mom & 
Pop operations as well as individual investors can profit with fuller 
disclosure of information that can be judged to be accurate.  Every day 
we read in the media where organizations have cooperated with companies 
to hide divulged information that may represent problems with a company 
or some breaking news that could be profitable to all with the knowledge 
of what will transpire.  It is not fair that brokerage analysts meet with 
companies in secret who then advise their major clients and institutions 
of these secret events so that their clients can take action to buy or 
sell their holdings before the news becomes public.
     
Keep up the good work toward full disclosure.
     
Sincerely,
     
Ben Mabry
30 Year Federal Government employee and Investor for retirement income. 
USDA