Date:    12/17/1999  10:42 AM

Subject: Proposed Regulation FD
 
To Whom It May Concern,
     
I was extremely pleased to see that the SEC has proposed fair disclosure. There 
can be no doubt that this will benefit the investor, whom the SEC is supposed to
protect, and the financial industry as a whole.
     
The investor will benefit from a more fair and level playing field, which will 
provide better opportunities and protection for all investors, which in turn 
will create more confident investors. This in turn will encourage a higher 
savings rate, which will greatly benefit the country as a  whole.
     
The financial industry as a whole may suffer short turn, although it is 
obviously not the whole industry which has been benefitting (profited) from the 
"old" disclosure rules. On an intermediate- to long-term time horizon the 
increased investor confidence will surely increase the savings rate into 
equities thus greatly benefiting all involved parties.
     
Finally, it can be said to be good to live up to the Constitution. We are all 
supposed to have equal rights!
     
     
Yours Sincerely,
     
Carl F. Petersen, MIM
Investment Advisor
Carl F. Petersen, Inc.