Subject: File No. S7-10-21
From: Ernesto Vasquez
Affiliation: Just a retail investor tired of the manipulation and unfairness of the market.

September 10, 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?
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?
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 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
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
Other
If Other, Explain:
Purchase a home, pay the debt toll of school, etc.

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.)
Its low cost trading, but I have the PFOF and the market manipulation, the ilegal/naked short selling, and all the power the market makers have and last but not least the insider trading that occurs within our government officials.

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 : None
Mutual Funds : None
ETFs : None
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?
I dont have much knowledge in this area.

11. What else would you like us to know positive or negative - about your experience with online trading and investing?
market manipulation, payment for order flow should be frowned upon, naked short selling, dark pools trading, all the issues we the small investors have and are always being taken advantage of by market makers and all the power they have, it is a conflict of interest for the market makers to have that much control over the stock market This should be fair, we should have the same information they have for us to make better decisions, its not fair that they see instantly trends changing by direct investments being made in the market and we get information delayed days or weeks after when its reported. We should see real/instant short interest, there shouldnt be naked shorting there should be a better way to track short selling and they should be punished by breaking the law, not with minuscule fees but with jail time and banned forever from trading or investing in securities. I can go on and on with request, theres so much to fix if you need help I can come and work for you 954-245-7741