In what I have come to understand about the proposed changes , the cons vastly outweigh the pros in allowing this change to move forward. We are already experiencing extreme market manipulation to the benefit of those who are wealthy beyond reason to begin with. The potential loss of hard earned capital for anyone with a retirement account does not validate the potential gains, period. Index funds have been relied on for millions of Americans who choose to invest in the market in good faith. We are already on the verge of the same conditions that caused the Great Depression of the 1920s. Michael Burry has been shorting many of the current players who are driving the current bubble, I trust his perspective on the current situation more than anyone who is vying to change the rules. These changes are reckless and short sighted. Please, for the sake of the value of the dollar as the world currency, do not let oligarchs raid one of the last forms of financial stability our nation still has. The risk is simply too great and too plainly obvious in the havoc it will wreak.