Subject: File No. S7-24-15

February 21, 2020

My wife and are sixty seven years old. We used to buy safe stocks with good dividends and bonds with good interest rates to grow our retirement accounts. Today neither pays enough to keep up with inflation. We have used LEVERAGED AND INVERSE FUNDS to grow and protect our accounts for fifteen to twenty years. If you want to pass new laws do something to protect people from bad brokerage firms and the Bernie Madoffs of the investment world. From our twenty's to our forty's we made nothing and were forced to manage our own accounts. With any luck the government won't confiscate our money and we won't die in poverty.