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

August 28, 2021

1. Do you have one or more online trading or investment accounts?
Yes, I have one or more accounts that I access online, either using a computer or a mobile app but I also access the account(s) in other ways (e.g., by calling or visiting in person).

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):
Keep the amount of money I have, while keeping up with inflation
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.)
That payment for order flow is a hinderance to the free market as defined that prices of stocks are set by the direct forces of supply and demand and are allowed to reach their point of equilibrium without intervention from all forms of economic privilege, monopolies, artificial scarcities, and dark pool manipulation.

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.)
When looking at as much information as one person can digest, the ease of access and ability to track said information has raised considerable questions about stock price movement inconsistent with conventional wisdom touted by mainstream media advisors (i.e. Bear Sterns)

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 : 2-5 Years
Options : None
Mutual Funds : None
ETFs : Less Than 12 Months
Futures : None
Cryptocurrencies : 2-5 Years
Commodities : None
ClosedEnd Funds : None
Money Market Funds : Less Than 12 Months
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?
Good faith violations, freeride violations, insider trading, market manipulation (such as a broker halting trading),

11. What else would you like us to know positive or negative - about your experience with online trading and investing?
My biggest issues are with the SEC, CFTC, market makers (payment for order flow: even if requesting direct access to IEX) as well as price manipulation utilizing off exchange dark pools (although this is mostly unsubstantiated because of a stark lack of oversight and regulation. All combined to hedge against true equilibrium of supply and demand.