Subject: File No. S7-24-15
From: Keith Smith

February 29, 2020

With brokerage accounts in my 401K I absolutely need the ability to make investments in leveraged and inverse funds in case of market down turns as is evident right now today with the scare with the corona virus. My portfolio has remained stable since I was invested in SQQQ and it's gains during this period has completely offset losses in other areas due to the current selloff.

Thank you in advance for your serious consideration in this extremely important matter.