Subject: File No. S7-05-22
From: Alex McKay
Affiliation: Small business owner/retail investor

February 19, 2022

The T+3 settlement cycle was a pre-internet relic, and T+2 still affords bad actors time to conceal manipulation. Trades should be settled same day. More accountability for organizations gambling with the US economy is a good thing, right? Our financial system is sick and daylight is the best disinfectant.