Subject: File No. S7-12-11
From: Judith Iam

May 19, 2011

The USA democracy is now a PLUTOCRACY - of, for and by the wealthy.
Everyone knows that the super rich control ALL BRANCHES OF GOVERNMENT and budgets are balanced on the backs of the rest. That homelessness rises endlessly, like unemployment. That our country imports more than it exports. That we need to SELL OFF OUR ASSETS to regain currency value. Pathetic, for the country which was a hope for the world....

Currently, most bankers receive stock options. So if they can generate more profits, the stock price goes up, and their options become more valuable.

Instead, what if they used the bank’s bond price, which measures the overall ability of the bank to repay its own debt? Another measure of bank stability is the spread on credit default swaps (the insurance-like policies that are essentially bets, where one gambler bets with another that a particular firm will fail). The closer a bank comes to failing (such as in failing to pay of its bond debt), the bigger the spread on credit default swaps.

Thank you for considering my comment,

Judith Iam