Subject: File No. S7-05-22
From: Marcus Spivey

February 9, 2022

T+1 is way past due. While TO is currently possible it looks like that will not happen in 2022, but I urge that it should be taken up within 1yr of implementing T1. This should also allow for PDT to be stricken and truly allow for equal access of small investors and traders.

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