From: Richard Coyle [RCoyle@SARDVERB.com]
Sent: Thursday, February 13, 2003 2:30 PM
To: 'rule-comments@sec.gov'
Subject: IC-25870 (s7-51-02)

In brief, as a mutual fund investor I favor this rule -- in particular the
provisions which require that funds make clear the expenses that are borne
by shareholders.  Such disclosure would, I believe, effect over time of
serve to reduce or limit expenses -- or at least would help investors better
understand the costs involved with this common form of investing. 

Thank you.  

Rich Coyle
19 Raemont Rd.
Granite Springs, NY
	         10527

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