Subject: File No. S7-24-15
From: Gaylin Frye

March 12, 2020

.So, the DOW,SP,NASD drop 7% and limit down, and you want to take away a tool that might help me preserve principal? if I have this investment in place I think I'm able to assess my risk and take appropriate action. Markets are risky by nature. Investors know these things and don't need your help. IF I need to be conservative, I'll buy CDs and hope my bank doesn't default