From: Charles E. Bremer [mailto:cbremer@financial-directors.com] Dear Sirs and Madams, I am wondering who will service the little guy? I service the Public School employees with their 403(b) plans. Prospectus are delivered on all sales, outlining a fees they are to be charged. Without the 12 b-1 fees, I can't stay in business. Charles Bremer, CFP MCRS |