Subject: File No. S7-06-04
From: George W Baylis

March 16, 2004

If Brokers Fund Fees are too be disclosed they should follow the example of the DEPs Energy Star Program and be posted plainly on the front of a Prospectus Or Other offering documents for the plan. I think they should follow the format of the big Yellow stickers on your appliances that list the energy usage per year.

Also there should be an illustration of the potential performance with or without the fees.

Usually the Broker or fund distributor keep fee disclosures buried deep in the documents.