Subject: File No. S7-24-15
From: Daniel O'Connell

February 19, 2020

As a seasoned investor, leveraged and inverse funds help protect my Roth IRA in down markets since I cannot 'short' stocks or ETFs in that account. That has helped protect my nest egg on several occasions, and I would hate to see that ability to ride out bear markets (and other volatility) disappear from my investor tool box.