Subject: File No. S7-24-15
From: Stephen Morris

March 13, 2020

I do monitor my investments daily, and understand the movement of the ETF's I own. The current situation with Cornovirus and it's affect on the overall economy is probably something no one was fully prepared for. I have purchased with Cash in an IRA acct that I don't plan on touching for 10+ years. We all hope for the best in this scenario, knowing that Life outweighs money.