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R Cownden Comment On Regulatory Notice 22-08

"Complex products" are a valuable resource for investors for diversification of investment strategy and risk mitigation that should be available to all investors. The notice tries to draw parallels between option trading and "complex products", but there is a significant difference in the level of leverage and potential financial exposure between these investments. Investors should be given the opportunity to decide for themselves which publicly traded equities and ETFs they want to engage in without regulatory impediments.

Jade Carpenter Comment On Regulatory Notice 22-08

I am a teacher (read: not rich by any means), however I have a total of 4 degrees. I have 2 undergrad degrees and 2 masters. I am more than capable of managing my own investments. I am a fully capable adult who can figure out the realm of investments and I should be able to invest my money as I see fit. I have a limited amount of money- especially when compared to my student loans. Im not able to pay someone to invest for me- not should I have to.

Larry Lee Comment On Regulatory Notice 22-08

Hi FINRA,

How are you?

I believe in democratizing investing and having the freedom to choose any one or more of several asset classes of investments that I want because I believe in individual freedom of choice of investments since that is true democracy and capitalism.

We do not need central planning by the government because this is not Russia or China. This is the United States of America.