Subject: File No. S7-24-15
From: Dennis Kinzie

February 21, 2020

Leveraged and inverse funds are a small but important part of my investment strategy. They allow me to seek enhanced returns either in an up market or down market.

Once again we face the possibility of erroneous government over site. The preservation of free and open public markets is of paramount importance to me.

It should be up to the individual to determine whether an investment is suitable.

You will never be able to protect the general public until an emphasis is place on " PERSONAL RESPONSIBILITY".