Subject: File No. S7-24-15
From: Mary Carver

February 20, 2020

This message concerns the SEC Proposal of 11/25/2019 which I would prefer to opt out of.

Explained from my shareholder's perspective, this would prevent my continuing to derive benefits from holding these shares. It also appears to contest these benefits in a threatening manner.

Is the SEC also contemplating the use of a similar future proposal to make further incursions into an investor's financial planning?

Hopefully, the SEC will reconsider the objectives
that this plan suggests and acknowledge the intentions of investors at large.