Subject: File No. S7-10-21
From: Zachary Berggren
Affiliation: Professional Engineer

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 online using a computer.

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?
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 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):
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? (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.)
It was a gut punch at first to see my investment go down 50% soon after buying the stock. The red numbers are hard to look at. However you grow stronger and then seeing that same investment reverse and go green, it helps with knowing you made the fundamentally correct choice.

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.)
Since I became active I first thought I could analyze companies to figure out which one would be a diamond in the rough. I have since learned that fundamentals dont matter. All that matters is if a hedge fund has picked a stock to succeed. Naked short selling is rampant and there are a select few stocks that are chosen to succeed within a specific business sector, the rest are naked shorted or busted out until the chosen company prevails. Nothing else matters, only that hedge funds have chosen who the winner is.

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 : 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?
Too many trades within an allotted time without enough capital in the account, the threshold being 25000.

11. What else would you like us to know positive or negative - about your experience with online trading and investing?
I got in this thinking I could be smarter and use statistical analysis and paid data feeds to beat the market. However it turns out that fundamentals dont matter at all. Certain stocks are targeted to fail even with massive potential. Cancer curing drugs never see the light of day due to naked short selling. Enforcement is a joke when you compare the fines to the damage caused. Fines from the SEC are merely a cost of doing business. I have very little faith In the government protecting the retail investor. There is a point where the system is strained enough where it breaks, and when it does, our nations supremacy will come to an end. I know the one investment I can make right now to beat the market. That investment is GME because the wanton naked short selling that has happened. The market should be able to choose the winners, not privileged market makers and hedge funds committing fraud.