Subject: File No. S7-05-22
From: Anonymous

March 19, 2022

Hello and thank you for looking into changing the settlement cycle. While T+1 is an improvement that I fully support I question why we have to wait until 2024 for this. The technology is here now. Really we should have T+0 in 2022.

Rules and regulations must be enforced. Not small fines but fines that are greater than the profit made by illegal activity and JAIL TIME. Enough is enough.

Please keep up the progress you have been making.

Kind regards,
John