Subject: Comments for File Number S7-12-11

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.

My own personal situation was greatly affected by the economic downturn, plus many of my family and friends. I travel to Europe frequently and I have seen, first hand, how it has affected them. As you probably realize the situation has not been good for many people, but am pleased to see governments doing there best to keep there people employed, especially the young people, and providing help whenever it is needed. Because of the economic downturn many people have been angry with the US because of the irresposisibility of wall street, banks, and lenders. To continue to reward these people for there greed and selfishness is outrageous. To me, they have committed crimes against humanity and should be appropietly treated.

Thank you for considering my comment,

Daniel Kisha