Subject: File No. S7-18-21
From: Dustin Wherrell

January 4, 2022

I think it is important to have access to information as quickly as possible. We live in the digital age and the ability to comply the information is far easier than it was 50 years ago. Retail investors have less access to information and if hedge funds and banks are getting loans for securities then it is a privileged advantage of those groups to have access to records. If they claim it is hard to comply the information they are not speaking honestly.