Subject: File No. S7-10-21
From: Nate Rosso

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?
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 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.)
I love the online platforms, this makes it easier for the average person to trade and invest in the companies we find value in. I like making my own decisions on where and what my money goes into.

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 : 1-2 Years
Options : Less Than 12 Months
Mutual Funds : 1-2 Years
ETFs : 1-2 Years
Futures : Less Than 12 Months
Cryptocurrencies : 1-2 Years
Commodities : None
ClosedEnd Funds : None
Money Market Funds : 1-2 Years
Variable Insurance Products : None
Business Development Companies : 1-2 Years
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 them all now. Just starting out, with the lack of knowledge I didn't realize why you couldn't do things with a account under 30k, but slow and steadily I learn and made many mistakes. But now I understand it.

11. What else would you like us to know positive or negative - about your experience with online trading and investing?
In the year I have been doing this now, I understand the negative side to the stock market, I have seen how big money investors have manipulated stocks both up and down. Its truly frustrating for the average person to trade with limited amounts of information, we can't have all access to and this is wrong. The dark pool are hidden from our eyes, let alone can't trade in them. The stock market is driven by people with the most money and are able to get away with everything, rules don't apply and if they get caught they don't pay enough in fines where it hurts them to not do it again I'd say most of everything with the stock market is negative for the average person investing, but the positive side is the online platforms that allow us to invest our money how we want, this makes it soo much easier. I think the main thing we all can agree on is that the market needs to be more open, meaning that these hedge fund and institutions need more outside eyes on them. But in a world where lots is greedy and don't care about the wellbeing of other or other companies, this is a tough task, but I know its getting closer to a step in the right direction, with more rule changes and whistleblowers calling out the fraud in our system. Im staying in the market even after seeing the negative, because I believe change is coming and we'll its worth it