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

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 online using a computer.

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?
Yes

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 had a pre-existing account and downloaded an app or visited a website to access my account

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.)
I feel for a company to offer an app or online option, they should be legally obligated to allow users to route their purchase orders through whichever exchange they prefer in order to maintain an unbiased and fair market. Most apps or programs only allow for a predetermined few.

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.)
I trade more frequently. I also have started to disregard the advice of mainstream sources. They have proven to follow only a dialogue they, or their superiors, prefer.

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 : 2-5 Years
Bonds : None
Options : Less Than 12 Months
Mutual Funds : Less Than 12 Months
ETFs : 1-2 Years
Futures : None
Cryptocurrencies : None
Commodities : None
ClosedEnd Funds : None
Money Market Funds : None
Variable Insurance Products : None
Business Development Companies : 1-2 Years
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?
Only if I am deemed not of sound kind can my trading be restricted. It would require a clinical diagnosis. Over leveraging, or negative balance seems like an obvious answer but that would cause it too.

11. What else would you like us to know positive or negative - about your experience with online trading and investing?
As a whole, I used to feel I had a fair shake of how it all works. I felt American in spirit and not just in nationality. I can make money by just using my own money and brain to advance my station. But recent developments only have me furious, discouraged, and feeling manipulated. The abundance of market manipulation allowed to carry on is saddening. The amount of power the major players and controlling bodies is frightening and not just because of what could potentially happen with that power but what actually is happening with that power. I watch as evidence repeatedly comes to light that has no other explanation other than corruption and abuse, just to watch it be ignored by those who are supposed to be paying attention. Further, the fines associated with these abuses are minimal and hardly a deterrent for these big players as the money they made versus what is fined is grossly unbalanced.