Subject: File No.
From: James E Baird
Affiliation: Agent/owner Baird Insurance

November 1, 2010

I don't agree with allowing a new set of Class Shares that allows Broker Dealers to set their own sales charges. This is a bad idea and will lead to lower dollar amount investors losing quality service since brokers may not be paid for that ongoing service. It really is true that if you are not paid for something there is less chance that you will do it.
Allowing for a new set of class shares will NOT level the playing feild and in fact do just the opposite.
Thanks for your consideration.