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

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 online using a computer.

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?
Daily/more than once a day.

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 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.)

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.)

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 : 5+ Years
Mutual Funds : 5+ Years
ETFs : 5+ Years
Futures : None
Cryptocurrencies : 5+ Years
Commodities : None
ClosedEnd Funds : None
Money Market Funds : 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?
i understand that pattern day trade rules for margin accounts and the 1-2 days to clear funds from a trade on cash accounts is completely unfair to the retail investor.

11. What else would you like us to know positive or negative - about your experience with online trading and investing?
I don't think the market is fair. how can we have 90% call vs. put volume and have a stock go down 6%? PFOF should end. Trading in darkpools should end. Naked short selling or any manipulation should end. I don't feel its fair that a company that makes hundreds of billions in profits in these illegal activities is fined and continues the same activity. fines are not enough. I have already drastically cut down on investing and will quit completely if this behavior continues. I have no faith in the market, msm, market makers, nor the government agencies that are supposed to regulate and protect us individuals.