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Patrick Sheehy Comment On Regulatory Notice 22-08

Thank you for the opportunity to comment on the above propose rule. Individuals should be able to choose the investments that are right for them and not be limited by criteria established by regulators. Information is required to be readily available from the financial companies offering the investment that describe the risks associated with each type of investment in the form of a prospectus or similar document. I have never felt uniformed when making investments. One of the more recent developments is the emergence of crypto currencies.

Dan Brophy Comment On Regulatory Notice 22-08

I am a successful investor with many decades' experience. Every investment I ever made required me to analyze the risks. Some worked and some failed. I will make my own decisions. The notion of passing a regulator designed test of risk sophistication is ridiculous, frankly insulting. The entire lot of your staff has no more - and probably less - risk assessment expertise. Why should I submit myself to their permission or disapproval? Nonsense. There is another aspect to your proposed policy: these are publicly traded instruments.