Subject: File No. S7-10-21
From: Miroslaw Stanuszek
Affiliation: Vp, office manager

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?
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):
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)
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.)
Ya mean gamification..? I'm forced to invest using these apps to beat inflation and help my family have 1 3 day vacation a year. Used to use a savings account to make passive income, cant anymore.. too stressed for more than 60hrs/wk so I can't work more, I'll die. I have no choice than to play in your fucking casino. Fix this We're reaching our breaking points. I have a 2 yr/old, and wife to support in tiny house, no more fucking crumbs Honest pay for honest work, confetti doesn't make me clap like a child, I recognize I'm gambling my family's future, make it so i don't have to US sucks

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 : 1-2 Years
Bonds : None
Options : Less Than 12 Months
Mutual Funds : None
ETFs : 1-2 Years
Futures : None
Cryptocurrencies : 1-2 Years
Commodities : None
ClosedEnd Funds : None
Money Market Funds : 1-2 Years
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?
Basic only. I know I can make money if MM allows, as long as I'm not using a pfof broker or using traditional fundamental strategies on a stock that is shorted by a major hedge fund.. otherwise they may turn off the brokers buy or sell option, leaving my family as bag holder, how is this fair?

11. What else would you like us to know positive or negative - about your experience with online trading and investing?
Online trading, crypto... have people an option to invest money to earn a passive income... I don't know [REDACTED] about stocks, forex, futures...etc, I have a full time job and family to support. I'm head over steel-tips in debt paying for necessities... I'm working my [REDACTED] off but it's not enough. I'm in a debt spiral, I've just started to use options trading but I'm exhausted and will lose.. I work too [REDACTED] hard to stress 24/7 on basic bills. Banks You're the problem Stop using my money to invest without giving me a %... You're worse than the Mob