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

September 6, 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?
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?
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):
Keep the amount of money I have, while keeping up with inflation

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.)
All mobile versions suck compared to the PC as far as graphs and trandaing analysis. Also, none of the apps mention how failures to deliver are running rampant in the market, and the SEC seems to do nothing about them. Perhaps they are ignorant, or maliciously incompetent

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 : 1-2 Years
Bonds : None
Options : 1-2 Years
Mutual Funds : 5+ Years
ETFs : 1-2 Years
Futures : None
Cryptocurrencies : Less Than 12 Months
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?
That brokers can turn off the option to buy any moment and the SEC will let that happen with no punishments. I won't stand for it again.

11. What else would you like us to know positive or negative - about your experience with online trading and investing?
7:1 margin, FTDs, revolving door, naked shorts. Changes to the Dodd Frank act. All of these things exists and are problems in regards to operating a free and fair market. So either the SEC doesn't have that as a goal, or is maliciously inept because they do nothing to address these issues. Payment for order flow is just one part of the problem that should never have been allowed to happen. So get rid of that. I'm also leaving the US market as soon as someone comes up with a blockchain based trading platform.