Subject: File No. S7-05-22
From: Chris McEntee
Affiliation: Retail Investor

March 14, 2022

To the analyst making 50k a year reading this comment, I too make 50k a year at a large business. Its 2022, youre telling me we cant make stock settlement instant? Look at L2 crypto Right now institutions are abusing every loophole they can to nickel and dime us. 1 day is plenty of time for them to figure out how to hide our trades or whole sale our orders. Please for the love of God make the settlement time instant. T+1 IS NOT ENOUGH WE HAVE THE CAPABILITIES AND BIPARTISAN SUPPORT. THIS BENEFITS EVERYONE FROM MUTUAL FUNDS TO POOR COLLEGE GRADUATES.