Subject: File No. S7-10-21
From: Cory Torrella
Affiliation: Marketing Analyst, Data Engineer

September 15, 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?
Once to a few times per month

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?
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.)
None of that matters to me. Tools for analysis matter to me.

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.)
I started buying Btc/Eth on Coinbase in 2016, first stocks maybe 2018-2019. I was fascinated by technical analysis, TA. I made a lot of dumb mistakes and learned a lot along the way. I would have had significantly better outcomes if I just bought and held instead of trying to time the short term volatility. I dont really watch the markets like I use to, just check in. Im more interested in real estate, where I feel like I have significantly more control of the outcome.

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 : 2-5 Years
Bonds : None
Options : None
Mutual Funds : Less Than 12 Months
ETFs : Less Than 12 Months
Futures : None
Cryptocurrencies : 5+ Years
Commodities : None
ClosedEnd Funds : None
Money Market Funds : None
Variable Insurance Products : Less Than 12 Months
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?
Zero. I was used to cryptocurrency trading where you could trade all day and night, as many times as you wanted. The Monday-Friday limitations of stocks felt weird and antiquated. Its an issue because big news can happen over the weekend and I cant do anything until Monday morning? Feels rigged.

11. What else would you like us to know positive or negative - about your experience with online trading and investing?
By not allowing U.S. citizens to trade freely across all websites (Bittrex, Binance, Cryptopia, for examples), I feel like theres no more room to get in on the early stages of useful and valuable companies. By the time it hits a market Im allowed to trade on, its too late. Need more free markets. Yes, theres a lot of really bad methods to lose money, but losing money is part of the learning and maturing process to understanding the markets.