Subject: File No. S7-05-22
From: David B Penn
Affiliation: Data Scientist

March 25, 2022

I support this. Please reduce time to settlement.

Please explore the possibilities of blockchain transactions to make for a faster and more secure market.

As a data analyst for a Fortune 100 company that processes insurance claims, I understand that technology is scary but we need to invest in the future. The current system is broken and can not be repaired with a band aid. Please do the right thing.

I am a retail investor. I am a proud American, however upon learning the details about what I thought was a free and fair market, I am ashamed that we allow such a fraudulent system to control the livelihood of millions of Americans. Do better for the people.

-David Penn