Date:    12/19/1999  3:46 PM

Subject: SEC Selective Disclosure Policy Changes
 
To whom it may concern,
     
I have come to the understanding that personnel at the SEC are considering 
restrictions or banning of "selective disclosure" of material information to 
securities analysts before that information is presented to the general public.
     
I wholeheartedly and enthusiastically support a belief that all significant 
information be presented to the public at the same time.  It seems essential to 
the free flow of information that is supposed to justify movements in stock 
prices in an equitable fashion.
     
I would ask you why there isn't such a policy in force already?
     
Is there a perception that we individual investors are too meek or 
unsophisticated to absorb such"comlex" information?  I would answer that should 
that be the case why are so many of us doing better than mutual funds managed by
the "experts"?  We are becoming more educated and an even playing field would 
encourage our committment to learning even further.
     
Is there the difficulty in easily disseminating such information?  I think open 
acces conference calls and the internet would be obvious solutions to this 
concern.
     
I can think of no good reason that selective disclosure be allowed.  It fosters 
close bonds between certain analysts and the companies they follow to the 
detriment of individual investors.
     
I am sure that you will be barraged by these investment firms that will try to 
sway you from doing what you know to be right and I hope that you fulfill your 
mandate to maintaining fairness in the markets.
     
Sincerely,
     
Ravinder S. Dhillon, M.D.
800 Concord Lane
Des Plaines, IL 60016