Subject: File No. S7-02-22
From: Kelly Dennis
Affiliation: U S Citizen

February 20, 2022

Coming from a modest means family who did not ever invest in the stock market, I started hesitantly in the market in 2009. My father's advice... it's a gamble so never put in more than you are willing to lose. My father was born in 1938 and apparently he understood the \"old school\" type of market a lot better than I. I had a small investment account and invested in companies I believed in with products I use.

I took control of my retirement fund account in 2017, after realizing that I did better in my small account than the professional investing company performed. On March 5, 2021 I helped my daughter with her transfer retirement account the same way my father helped me. We invested in AMC since she worked there as a teenager and we both love the movies.

I have learned more about stocks in the last year than anything for the past 13 years. I knew it was a gamble, but thought it was a fair gamble. My daughter opened my eyes to the social media and market manipulation. I don't listen to rumors... would rather research myself and could not believe all that was happening. Watched much of it with my own eyes. I am not a conspiracy theorist, but I now understand there are two sets of rules. One for market makers and one for the investors. I could make loads of money, too, if I were allowed to manage both the buy and sell prices.

Now is the time for change. I am happy to see Congress recognize they are benefitting from information that no one else has access to and finally doing something about it.

There is absolutely no reason we can't have a T + 0 trade time. Stop allowing the top 1% to line their pockets at the expense of the other 99%. Fair is fair - we all know what that is so now let's start working toward it.