Subject: File No. S7-24-15
From: Joseph Lucero

January 29, 2020

I have to say that this is more than absurd. The SEC is concerned with investors is a joke. If the SEC was concerned with investors' safety there would not be HFT, dark pool money, and many other situations. Furthermore banks would have real regulations and the SEC would police boards, all earnings would be GAP and someone sane would be talking to congress about share buy back.

Please stop giving the appearance that you are attempting to help us.

What has happened in the last two down turns and the one to come should be no surprise to anyone. Stupidly low interest rates, crazy speculation (with no SEC and cheap money that can never lose and the SEC is the white night to save us. Save us all the time and

The Federal reserve is allowing our trillions of dollars of homes to be purchased with little to no money down