Subject: File No. S7-10-21
From: Mohamed

August 27, 2021

1. Do you have one or more online trading or investment accounts?
Yes, I have one or more accounts that I access both online using a computer and using a mobile app.

2. If your response to Question 1 is Yes, do you think you would trade or invest if you could not do so online using a computer or using a mobile app?
No

3. On average, how often do you access your online account?
Daily/more than once a day

4. On average, how often are trades made in your online account, whether by you or someone else?
Once to a few times a week.

5. If you access your account online, did you have the account first, and only began to access it electronically later? Or did you open the account with the idea that you would access it electronically immediately?
I downloaded an app or visited a website first, and then opened up an account with the company

6. My goals for trading or investing in my online account are (check all that apply):
Save and grow my money for short-term goals (in the next year or two)
Save and grow my money for medium- to long-term goals

7. What would you like us to know about your experience with the features of your online trading or investment platform? (Examples of features are: social networking tools games, streaks, or contests with prizes points, badges, and leaderboards notifications celebrations for trading visual cues, like changing colors ideas presented at order placement or other curated lists or features subscription and membership tiers or chatbots.)
Im not interested in gamification, Id imagine that everyone likes to see an app that is easily used, ease of executing trades, speed, and pleasing to the eye as well. But most importantly, Id like reliable on time data, available to me, so I can make investment decisions accordingly. Data kept private by large market makers and the like, or in dark pools, that I cannot see except a few days or weeks later, is useless to me, not to mention detrimental to my research and investment divisions. Every investor should have access to the same information at the same time.

8. If you were trading or investing prior to using an online account, how have your investing and trading behaviors changed since you started using your online account? (For example, the amount of money you have invested, your interest in learning about investing and saving for retirement, the amount of time you have spent trading, your knowledge of financial products, the number of trades you have made, the amount of money you have made in trading, your knowledge of the markets, the number of different types of financial products you have traded, or your use of margin.)

9. How much experience do you have trading or investing in the following products (None, 12 months, 1-2 years, 2-5 years, 5+ years):
Stocks : 1-2 Years
Bonds : None
Options : Less Than 12 Months
Mutual Funds : None
ETFs : None
Futures : None
Cryptocurrencies : 1-2 Years
Commodities : None
ClosedEnd Funds : None
Money Market Funds : None
Variable Insurance Products : None
Business Development Companies : None
Unit Investment Trusts : None

10. What is your understanding, if any, of the circumstances under which trading or investing in your account can be suspended or restricted?
Suspending training or some trading options, only for one specific group or stock, is not fair, and does not make for a leveled plain field. Weve got to let the free market operates, according to supply and demand. Otherwise it will creat mistrust in the system, locally and for foreign investors as well.

11. What else would you like us to know positive or negative - about your experience with online trading and investing?
Pay for order flow, is an unfair advantage to certain players. Creates conflict of interest for the broker dealer, and market makers, have prior access to all trades, and the act accordingly as hedge funds as well. Not a fair market. Market makers should be separate from hedge funds, but not act as both.