Subject: File No. S7-05-22
From: David Edwards
Affiliation: None

February 18, 2022

To whom it may concern. Moving to a T+1 is a step in the right direction, but why not T0? We have the capabilities to handle trades without a delay. I would also ask that the time frame any change is implemented sooner than 2 years from now. These changes should be implemented asap.