Subject: File No. S7-12-11
From: Sandra Beerends

May 19, 2011

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 go bqck to square one....No bonuses, no stock options, A salary is given to a CEO. The bank can offer him a salary, just like us.  If he does a good job, he gets a raise, just like us.  He can buy stock in the company if he wants, just like us.  If he does a bad job, he is fired or doesn't get a raise, just like us...JUST LIKE US..If not , it will h appy again.  Of course we can always nationalize these firms..

Thank you for considering my comment,

sandra beerends