Subject: File No. S7-10-21
From: Ryan Mcderkis

September 21, 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 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
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.)
These features allow me to enjoy the experience of managing my money, and round out my ability to think about new investment ideas, and make it a less stressful experience.

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 : 5+ Years
Bonds :
Options : 1-2 Years
Mutual Funds :
ETFs : 5+ Years
Futures :
Cryptocurrencies : 2-5 Years
Commodities :
ClosedEnd Funds :
Money Market Funds :
Variable Insurance Products :
Business Development Companies :
Unit Investment Trusts :

10. What is your understanding, if any, of the circumstances under which trading or investing in your account can be suspended or restricted?
PDT rules, wash trades, suspicious activity, stock trading halts, DTCC capital requirements leading to insufficient capital at member clearing firms

11. What else would you like us to know positive or negative - about your experience with online trading and investing?
Online trading has opened up investing to a new generation of investors and mechanics that have been developed to make stocks easy and fun to understand and discover is an innovation that has allowed for more participation and learning.