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

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 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?
Less often than once a 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.)

I just like a place to invest. Social media is for the discussions, I want an easy to read chart and tickers and other investing info. I dont need chat rooms and other bellswhistles.

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.)

No change

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 : 2-5 Years
Options : None
Mutual Funds : 5+ Years
ETFs : None
Futures : None
Cryptocurrencies : 1-2 Years
Commodities : None
ClosedEnd Funds : None
Money Market Funds : 2-5 Years
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?

When an investigation is happening, it is my understanding that investing/selling is suspended or restricted. Also if a user breached the terms of agreement their account can be temporarily suspended.

11. What else would you like us to know positive or negative - about your experience with online trading and investing?

Its sad that the rich have more tools at their disposal to allow them to gain more wealth through less-than-honorable means (manipulation). I believe that the opportunity to utilize the same tools for all investors of every type would level the playing field so to speak. Or have those tools taken away from the big banks and hedge funds. There should NOT be more opportunities available to make MORE money just because someone has a higher income.
Market manipulation is clear and apparent and has been proven time and again. I believe without serious solutions to the current problems, the stock market willl fail. I, for one, do not plan to continue investing in the U.S. stock market if serious changes are not made. There are other ways to invest my money that I feel are more trustworthy.