Subject: File No. S7-15-10
From: sobieslaw wilkiewicz

October 20, 2010

12b-1 fees, such a fancy name, wow, I think its designed to fool investors. Its like a phone company fees, a line fee, what in the world is a line fee. Oh well, 12b-1 fees should be eliminated, they serve no purpose but to drain individual investors of their returns. I say NO to 12b-1 fees, period.