Subject: File No. S7-32-10
From: Ian Thiphavong

February 7, 2022

I want a more honest market. I dont feel like I have access to a real market with price discovery when I can be front runned by a market maker. Or when 90-95 percent of retail orders dont go to the Nasdaq or NYSE. The market is \"Naked, Short and Greedy\" as Dr Susanne Trimbath would say. Why have t+3 for settlement when decentralized exchanes using level 2 blockchain exist with instant settlement? I started learning about wall street just over a year ago. The amount of blatant corruption that is allowed is comical. Get this under control or dont count my retirement savings as included.