Subject: File No. S7-32-10
From: Kyle cortez

February 6, 2022

We need a fair and balanced system with fair and balanced rules. If we want people to continue to invest in our markets we need to establish fair and proper markets first.

As a simple retail investor it is very discouraging to know the little spare money I have left to invest is going into a market that has the odds skewed for others with little penalties for those of them who abuse the system.