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

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?
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.)
We get GOUGED for level 2 data. Level 2 data should just be the standard. Delayed data is useless.

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.)
I started last year knowing nothing, and now currently know more than the average investor.

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 : 1-2 Years
Mutual Funds : None
ETFs : 1-2 Years
Futures : None
Cryptocurrencies : 2-5 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?
Trading in my account could be restricted if brokers can't meet margin requirements and make backdoor deals with the NSCC to suspend trading of certain securities in exchange for lessened margin requirements.

11. What else would you like us to know positive or negative - about your experience with online trading and investing?
I always had a feeling the stock market was a rigged cesspool, but then I started trading and learning, and BOY OH BOY is it more than I could have imagined. It is one massive pump and dump for the publics money. CNBC tells you what bags to hold and what bags to let go of, with no fundamentals or technical analysis used. It's all baseless theories and screaming. Children on a television. It's embarrassing. PFOF needs to be banned. CNBC needs to be held accountable for the lies they put out every single day. For that matter, ALL MEDIA needs to be held accountable. DO YOUR [REDACTED] JOB AND ENFORCE THE LAW.