Subject: File No. S7-15-10
From: Charlotte A Gist
Affiliation: CFP

July 26, 2010

This proposal would really be detrimental to small and mid-size investors. It would basically force them into "A" shares (5.50%)or fee-based accounts (typically 1% - 2%), which would cost them more than "C" shares. This certainly would not reduce expenses for these investors.

Again, it looks like the big guys are looking out for the big investors. This is a very poorly conceived idea.