Subject: File No. S7-10-21
From: John Rubens
Affiliation: Electrical Engineer

September 10, 2021

1. Do you have one or more online trading or investment accounts?
I have one or more accounts, and I access them online using a computer or 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?
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?
Once to a few times per 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?

6. My goals for trading or investing in my online account are (check all that apply):
Other
If Other, Explain:
to accumulate wealth

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.)
My experience is good because I use these platforms with a goal in mind, not as a pinball machine.

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.)
They have not changed.

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 : None
Options : 1-2 Years
Mutual Funds : None
ETFs : 2-5 Years
Futures : None
Cryptocurrencies : 5+ Years
Commodities : Less Than 12 Months
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?
My understanding is workable. But even if all retail investors traded on insider information, we both know that this would be of negligible concern in comparison to other players.

11. What else would you like us to know positive or negative - about your experience with online trading and investing?
Unfortunately, I do not invest freely in our market based on what I believe in, or even economic fundamentals. I invest and trade with the knowledge that the US securities market is essentially a fractional reserve banking system without reserve requirements. I do feel guilty being a retail investor, because I know that when I profit, it was because it was in the best interest of a soulless player for wealth extraction purposes only.