From: Onyxdolls2@aol.com
Sent: Thursday, December 26, 2002 12:51 PM
To: rule-comments@sec.gov
Subject: S7-48-02
I am against granting this exemption to broker-
dealers. If the complete information was sent
initially, this would eliminate the need for
a toll-free number and present to customers an 
up-front trustworthy approach by brokers-dealers.

Carolyn Allen