Subject: File No. S7-24-15
From: Doug harvey

March 12, 2020

I fully understand he risks and am an individual investor . I have the app to trade and monitor stocks on all electronic devices and constantly monitor the changes in the etfs. I understand the money being put into these stocks can lose value quickly and never put in more money that I can afford to loose , just like any risky venture. Taking these instruments away from individual investors would be a unfair more and only allow the bigger firms to have even more power over us.