Subject: File No. S7-05-22
From: Anthony LaBree

February 10, 2022

Use this as a step towards T+0. Settlements have always been used as an arbitrage against retail traders. This wiggle room of settlement dates constitutes a program of welfare for Wallstreet. An unnecessary advantage given to those who don't need it. While T+0 is the ultimate goal, this is a positive step towards a better functioning market. A place where retail isn't intrinsically handicapped before the bell rings. Please continue to push for transparency SEC, your are doing the right thing.