Date:    12/19/1999  1:12 PM

Subject: Proposed Regulation FD

To Whom it may Concern:
     
    As an individual investor, I strongly encourage anything the SEC is
able to do to encourage/require
equal access to information rather than its selective disclosure.  Not 
only does this increase fairness,
but in the long run it is likely to decrease the propensity of analysts 
to shade their assessments in
hopes of retaining their access to information.  Monopoly of information 
certainly benefits Wall Street,
but it disadvantages the individual.  And we're the ones who need the 
information - no one pays more
attention to my money than ME.
     
Thank you,  
     
Carol F. Baird