1) SEC regulations are very confusing and at times it appears as though there isn't an actual run book that staff use before concluding if something is a security or currency. Another area for improvement in this space is helping people form an appropriate approach, and lastly crack down on these exchanges. Some of them are dodgy [REDACTED]. 2) I did like Binanaces approach to educating their customers, you had to learn before certain areas were unlocked. Finra could create a digital syllabus with exchanges?