Subject: File No.
From: Cheryl H Gunsell, CLU,CLTC

October 28, 2010

Please review and understand the ramifications of allowing broker-dealers to set their own commissions for fees. This will lead to a "race-to-the-bottom" and will mean that ultimately, the consumer will be focused more on fees than getting good advice and counseling on their portfolios.

I am opposed to this portion of the measure and hope that you will eliminate this portion of allowing broker-dealers to set their own commissions. THank you.