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

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 medium- to long-term goals
Have fun

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.)
You need to keep bot farms out of online platforms. They should not have contests or anything flashy. I just want to invest in companies I like.

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.)
No

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 :
Bonds : 1-2 Years
Options : 1-2 Years
Mutual Funds : 1-2 Years
ETFs : 1-2 Years
Futures : None
Cryptocurrencies : 1-2 Years
Commodities : None
ClosedEnd Funds : None
Money Market Funds : 1-2 Years
Variable Insurance Products : 1-2 Years
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?
None

11. What else would you like us to know positive or negative - about your experience with online trading and investing?
The utter lack of transparency in the financial systems. The use of PFOF and how my orders can be traded in front of and hedged for by large institutions. The lack of oversight by government in the markets and how you look the other way when the rich and powerful are just manipulating the markets. Your over site body's are ex headge fund employee's or one looking to get out of the public sector and start working for the hedge funds.