Subject: File No. S7-03-22
From: Curtis Higgins
Affiliation: Kay Jewelers

February 19, 2022

T+0

Eliminate Dark Pools, ONLY UNDER DIRECT AUTHORIZATION OF THE S.E.C. - Highly Monitored

Eliminate PFOF entirely

Apply actual fines AND punishments. 150% Fines on all profits + mandatory prison sentences of at least 2 years, followed by immediate revoking of license and being banned from future trading or working in the industry. This is the real issue, you guys don't enforce any real punishments. A $2,000 fine with no admittance to guilt is laughable
and why no one has faith in the US Government, or the institutions that claim to be enforcement.