Subject: File No. S7-10-21
From: John C Gambill

August 30, 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?
Yes

3. On average, how often do you access your online account?
Once to a few times a week

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 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

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.)
It has greatly improved my access to information and tools that professional traders have always had.

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.)
Greatly increased my ability to access multiple sources of research. I have take advantage of online tutorials for more complicated trading methods.

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 : 5+ Years
Bonds : 5+ Years
Options : 2-5 Years
Mutual Funds : 5+ Years
ETFs : 5+ Years
Futures : Less Than 12 Months
Cryptocurrencies : 2-5 Years
Commodities : Less Than 12 Months
ClosedEnd Funds : 5+ Years
Money Market Funds : 5+ Years
Variable Insurance Products : Less Than 12 Months
Business Development Companies : Less Than 12 Months
Unit Investment Trusts : Less Than 12 Months

10. What is your understanding, if any, of the circumstances under which trading or investing in your account can be suspended or restricted?
Too many transactions per day

11. What else would you like us to know positive or negative - about your experience with online trading and investing?
Hedge funds should be held accountable for their bad investment decisions. Market Makers should not be able to route transactions to benefit their internal company trading strategies. Their is so much blatant manipulation and double-standards being applied that I have little to no faith that they are being held accountable. Retail investors are not to blame that they are trying to expose the criminal activity that is taking place. No one or entity should be able to short a stock multiple times more than the available float. How is this acceptable to the commission that is publicly funded by taxpayers to protect the market against this?