Subject: File No. S7-24-15
From: Janet Sturgeon

February 19, 2020

My family of four myself, husband 2 adult children have multiple brokerage accounts with Fidelity and Schwab. We have been investing in ETFs for years, and would not need a third party evaluating whether or not we fit the criteria to control our own money buying/selling inverse funds and leveraged funds. We are well informed of the risks and benefits to our portfolios, whether they be IRAs or taxable accounts. I would like it to be known that further regulation of these funds is entirely unnecessary and unwanted.