Subject: File No. S7-24-15
From: Keith Waterman

January 30, 2020

Leverage and inverse funds are important to me and I have the capacity to understand and invest in them. I do NOT want a 3rd party determining if I can understand something, it's my choice. I would like the free market to stay just that, free And not be another area where Government decides to make decisions for us. We have enough of that already.