Subject: File No. S7-15-10
From: Boyd R Switzer, Ph.D.
Affiliation: Associate Professor of Nutritional Biochemistry

October 15, 2010

"Comments attached"

I do NOT support the charging of 12(b)1 fees. These fees are frequently hidden so the average person does not realize they are charged additional fees. Also, these fees do not reflect the performance of the fund either good or bad.