Subject: File No. S7-24-15
From: David Ledbetter

January 29, 2020

As a husband and an expecting father, I find the freedom to invest in the market as I see fit extremely important to my family's future and well being. I cannot oppose this proposition strongly enough, as my child's college fund and future inheritance is built around a leveraged investment plan that I spent copious amounts of time researching and balancing.

I urge the SEC to reconsider on behalf of the American people and their financial independence. Let the people decide for themselves what is and is not financially responsible.