Subject: Comments for File Number S7-12-11

May 22, 2011

It is absolutely un-American and undemocratic for Wall Street barons (and any CEO's) to draw the outrageous salaries they do. Democracy is based on fairness, and it is in no way fair for there to be such a gap between what the workers are paid and what the power brokers can steal. They steal by cutting workers and workers salaries and making them work harder and longer hours.

I’m writing because my family and I were affected by the economic collapse of 2008, and we don’t want it to happen again.

Wall Street greed and outrageous pay practices were a major cause of the collapse. One way to change the incentives so they don’t collapse our economy again would be to delay the bonuses for three, five or more years. That way, we’ll know if the loans they made in year one remain good. In the bad days, bankers paid themselves on the volume of loans (mortgages) they generated, not on their quality.

Thank you for considering my comment,

Nancy McCollum