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Denice Bocek Comment On Regulatory Notice 22-08

As an investor I have the authority to choose my own investments, make investment decisions and leverage these tools to protect my investments in a way I see fit. No regulator can speak for me or understand my priorities nor do they know what assets I own or the my strategy to protect my investments or trade in the markets. Regulators deciding what is a complex product is far too vague and it takes away the tools available for me to properly manage, protect and invest my own portfolio. I do not need a test or someone else to tell me how to invest.