Comments: The problem is not the product, it is the breadth of knowledge of the solicitor. FINRA enforcement of the solicitor is more important and a better use of time and resources than restricting use of the product. There is no more complex product than indexed annuities and its numerous moving parts, possibly the most oversold by the most uninformed of all products available to the consumer yet I see little to no product restrictions.

Comments: I would like full access to ETFs

I strongly disagree with making it harder to trade complex products, specifically leveraged and inverse funds. If I had to meet similar qualifications and go through much the same processes required for margin and options, then I would be tempted to simply go ahead and sign up for those as well or instead, which would expose me to dramatically higher risks than any ETF. It's quite likely many others would do the same. Meanwhile there will still be stocks where equally devastating losses could and sometimes do occur, so it isn't actually going to protect anyone.

Comments: The removal or increasing the difficulty to of access to these leveraged funds from small traders would in effect force traders into areas which are also very risky? These leverage and inverse funds give great flexibility to hedge ones positions against a portfolio disaster. Self directing ones funds should be an exercise in risk management not risk taking. Thank you

Comments: Do not change anything!

Comments: We individual but educated investors should still have access to leverage and inverse funds and products because (we) educated investors do understand the risks . I do agree with signing the yearly agreement to trade these products but our access should NOT be taken away. Some of us do NOT want to work until we are 90 years old.

Comments:Dear FINRA, I am over 21 and resent your intrusion into my investing life. I make all my own investment decisions and leveraged ETFs are a big part of my life. Mind your own business. I don't tell you what to do and stay [REDACTED] out of mine! Paul R. Hamilton

Comments: Please do not restrict my access or use of leveraged ETFs. During the 2 years of the pandemic when no one in the family had work, trading leveraged ETFs constituted the main source of income to sustain the family. They may be 'complex products' but the ETF company manages the products, not the investor. As long as the risks are understood and investments are closely monitored the complexity of the instruments are someone else's responsibility. During my 15 years of usage of leveraged ETF instruments there has never been the slightest whiff of misfeasance or malfeasance.

If an investor had placed an affordable $10,000 into a 3xQQQ fund in 2000, it would be worth approx. $60,000,000 in 2021.

Comments: I have no immediate issues with investor education, transparency or risk disclosure in consideration of the three evaluation areas for public comment.