Subject: File No. S7-10-21
From: Ian OHara

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

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?
Less often than once a 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 had a pre-existing account and downloaded an app or visited a website to access my account

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)
Other
If Other, Explain:
Hold greedy hedge funds and firms accountable for gambling with my future and the futures of other hard working Americans who trusted the SEC to regulate the operations of Wall Street against predatory bets that would make them more money than anyone could make in a lifetime through honest labor. Im tired of it. Im pissed off. Im angry at the bankers who defrauded retirement accounts and fueled greedy investment firms whose reckless trading put working class people out on the street and has caused unresolved damages to generations after. Im incensed that the SEC refuses to incriminate a single person from the now several financial crises Ive lived through in my 30 years of existence. Im propelled to never invest a single penny into the US market again if the SEC and the DTCC and the FED doesnt face the music and reprimand the same people who have defrauded millions of people from trillions of their dollars, and will do it again when given the chance.

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.)
Ive been able to buy the stock I like.

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.)
Ive bought more of the stock I like.

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 : None
ETFs : None
Futures : None
Cryptocurrencies : Less Than 12 Months
Commodities : None
ClosedEnd Funds : None
Money Market Funds : None
Variable Insurance Products : None
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?
I understand completely that to restrict the Buy or Sell option for traders is antithetical to the operations and tenets of a free and fair market.

11. What else would you like us to know positive or negative - about your experience with online trading and investing?
I think online trading and investing is phenomenal because its brought more transparency to the market with more accountably towards bad actors who will try and rig the process against casual investors who are looking to build wealth. Online trading inadvertently, from the sheer participation of investors, also pressures regulatory agencies to enact strict policy to ensure markets remain fair, even when a casual investor might make a profit in a system that was built for them to lose.