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John Derevlany Comment On Regulatory Notice 22-08

Please continue allowing me the freedom to invest in leverage and inverse funds, without any special, government required mandates I'm aware that these are risky investments, and use them sparingly, mostly to hedge other investments or as an alternatives to options. They are an inexpensive way to get an outsized return. My broker (Charles Schwab) is very good about warning me about the risks of these investments, which is why I use them cautiously. Please allow me the freedom to make my own decisions about my investments Thank you.

Ketan Patil Comment On Regulatory Notice 22-08

FINRAs scheme is misguided because it: Hurts Investors: It could potentially deny us the freedom to choose investments that could help us achieve long-term financial security. Is Arbitrary and Unworkable: FINRAs definition of complex products is so broad, arbitrary and vague that it could ensnare a vast number of commonly used public securities. Tests or Upends Our Regulatory System: Under the long-standing disclosure-based system, investors have the right to decide which public equities, bonds and funds they want to buy.