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

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.)
I moved from Robinhood to Fidelity. Any brokerage that turns buying or selling off to protect themselves should be shut down. I should have the piece of mind to know that I am able to perform actions in accordance with my best interests. I know you think gamification is a problem but thats down there around issue 1,374 in priority of issues with the market.

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 only had 401ks before. All Ive learned since then is that retail has zero power in the market. If youre big you get exemptions and tiny minuscule fines for ruining the investments of retail. Retail purchases rarely affect prices due to dark pools or even worse, Citadel Connect.

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 : Less Than 12 Months
Bonds : None
Options : Less Than 12 Months
Mutual Funds : None
ETFs : Less Than 12 Months
Futures : None
Cryptocurrencies : 2-5 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?
I understand that if its in the brokerage, DTCC, or other regulatory agencies best interest for me to not be able to trade I wont be able to.

11. What else would you like us to know positive or negative - about your experience with online trading and investing?
The stock market is a sham. You and the other self regulatory agencies are allowing financial terrorists to gamble away pension money and skim pennies by front running orders while providing zero value. Retail doesnt carry about providing liquidity . Close loop holes and exemptions. Switch the stock market to blockchain. Everything I thought about how the stock market allocates capital is a lie. Hedge funds and banks should not be allowed to do anything that retail cant. HFT should be banned. Implement. Coils like IEX. Use computers to determine good value and trends, not extracting value from retail by being faster and having more information.