172 pages. Excerpt: "If the SEC determines it is appropriate to harmonize broker-dealer and investment adviser regulation involving personalized recommendations about securities to retail customers, it is essential that any related rulemaking preserve or enhance: [a] Investor protection for retail customers; and [b] Choice and access to securities products and services for the full spectrum of retail customers. Any new harmonized standard of care must satisfy the Dodd-Frank Act mandate that it apply only to 'personalized' investment advice about securities to 'retail investors' as those terms are defined."  MORE >>