Subject: File No. S7-10-21
From: Dan R.
Affiliation: N.a

September 11, 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?
Once to a few times a week.

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
Have fun

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.)
Increasing memberships through rewards is a great way to get new people into investing. Everything else that is extra flare gamification is a non issue. The extra flare makes things look nice but people 100% understand what they are doing. We are talking about money here. People may ef around with video games but people are drastically more mature qhen it comes to moving around large somes of money.

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.)
Way more fascinating now. With all of these new tools and features at my fingeetips. Ive learned the interworkings of the stock market in less then a year.

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 : Less Than 12 Months
Bonds : 5+ Years
Options : None
Mutual Funds : 5+ Years
ETFs : 5+ Years
Futures : None
Cryptocurrencies : None
Commodities : None
ClosedEnd Funds : None
Money Market Funds : None
Variable Insurance Products : 5+ Years
Business Development Companies : 2-5 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?
Yes. Gfv are tracked and you're suspended immediately if faulted.

11. What else would you like us to know positive or negative - about your experience with online trading and investing?
All the new tools, graphs, features just keep getting better.

PFOF should be removed from the equation. It is leading to an unfaor market structure. Big xompanies shouldnt be able to suppress buying pressure when they see fit while simultaneously allowing sell pressure through lit markets.