Subject: File No. S7-10-21
From: Ryan hall

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?
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 per month.

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

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.)
More transparency and guides/information describing exactly what each word,mark,symbol,option does and is intended to do in each part of the categories. Describing their use and functionmore education.

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.)
Ive only traded with an online account

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 : None
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?
Suspended for volatility in the market, if I dont have funds submitted, if I buy a stock and sell it before my funds have settled

11. What else would you like us to know positive or negative - about your experience with online trading and investing?
Its not an equal free fair trading market. Using my app it never explained when i or others have placed an order it is not going directly to the market instead it is sent else where and held for an undisclosed amount of time. Therefore not accurately reflecting on the price action on the market we see that same time. No one has ever explained off market exchanges,dark pools and re routing orders. Are orders should be sent directly to the market even if we have to pay a monthly fee for doing so therefore providing a more honest and transparent market. It should not be held by a third party and released at will. There needs to be more education, harsher penalties for people manipulating these markets,more accountability and more enforcement of the laws in place. We dont control the narratives of these stocks the Hedgefunds have the news anchor tell us good or bad things about specific stocks therefore changing public opinion on them and influencing peoples decisions to buy or sell is that not market manipulation? The rules should be equal to everyone involved not just one sided.