Subject: File No. S7-18-21
From: Anonymous
Affiliation: Retail

February 14, 2022

Thank you for the opportunity to make a comment. I just found out that borrowed shares are allowed to be used to either borrow more shares or close FTDs. This is terrible. Please explain to me how this doesnt make the entire stock market a daisy chain criminal enterprise. I want this to end now. This is totally not ok. It defies all logic and rules of common decency. Please end it now.