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

February 20, 2020

As a young investor, I 100% recognize any inherent risk in a publicly traded security. That being said, there are 10's of thousands of options and leveraged funds / inverse ETF's are no different. This is important for me to protect a downswing in the market, especially against heavily stock retirement funds, I'm only 28. Don't fix what isn't broken, stop meddling and please let us continue to do our research and make our own decisions without jumping through hoops.