Subject: File No. S7-08-09
From: Michael Haynes
Affiliation: Hard Knox graduate

April 26, 2009

I will probably say what most should have been saying from the start. Aren't we in the mess we are in, because of how we currently do business? It seems that this like so many of these recent solutions aren't really addressing the actual problem, but rather just covering it up. We should have never had too few financial companies in charge of so much, so that their collapse would cause economy instability. Just know that this isn't exactly fixing a problem, ok? I'm still waiting for change.