Subject: File No. S7-10-21
From: Cliff

September 25, 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, phone or snail mail would be frustrating.

3. On average, how often do you access your online account?
Once to a few times a week

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 short-term goals (in the next year or two)
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?
Nothing out of the ordinary, charts, a small message thread feature, and clean direct fields for making orders to market.

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?
N/A

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
Options : 2-5 Years
Cryptocurrencies : 5+ Years

10. What is your understanding, if any, of the circumstances under which trading or investing in your account can be suspended or restricted?
It SHOULD be only if negative balance (margin call), or if you're put under a freeze of assets from legal investigation. There should be no excuse for stopping someone from making a decision to invest, good or bad if you have funds, regardless of volatility or risk.

11. What else would you like us to know positive or negative - about your experience with online trading and investing?
-The halting of normal operating businesses, should not be possible outside of the industry established circuit breakers.
-The focus of gamification rather than the abuse of short positions and locatable shares, the blatant use of bankrupted and shorted companies to bypass taxes, the lack of promptness on followups or puny punishments for the companies that have been found in the wrong getting a few thousand fine out of billions revenue is hardly a slap on the wrist and the fines should be a proportion to the net income.