This has been my general resume format since 2015, and it's worked really well for me over years. Outside of my first job hunt, which admittedly was a bit of a challenge, I've never had significant difficulties finding new employment.
On my most recent job hunt back in spring 2023, I went 6-for-6 with this resume. Every single place I applied to I got an interview at. Even still, while I am quite comfortable with my current employeer, I still get requests from recruiters to chat and send resumes over - and every single recruiter I've sent a resume to wants to set up an interview.
Format-wise, I kept it as simple as possible, no fancy styles, colors, or anything like that. I know there's a lot of back-and-forth on whether or not a summary is good/bad, but I prefer to use one. Even keeping my resume at 1 page, I think having a summary saves time for those who don't want to take 3 minutes and read the whole thing. Just by reading the summary, I think the reader can gain a good understanding of who I am and what I can do.
Second to this, which I didn't post, I have about a 4 page long Experience Summary document, which sums up all the major projects I've managed or played a major role on. Instead of a cover letter, which is pretty useless, I submit the Experience Summary instead. It's much more geared towards technical reviewers, not HR or any non-technical folks, because it is a bit "weedy".
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word template

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Howdy, messy roommates. If you felt a bit tickled-pink-to-death by April’s roseate flurry of events, this year’s May just may have the cure with a foray into the airborne, outdoorsy, and adventurous. Thanks as always to Miranda, Bassieeee, and Ray for help datamining. We’ve got our airships, our kites, and our handheld birds, so let’s get our flight gear in check and take off our Zipper constumes (please I’m begging you guys)!
Twitter preview image for May 2024 in Pocket Camp

• Version Codes
  
  • v5.6.0 was 61b5c, v5.6.0b is 45822.
  • This is a client-side update that should not require downloading a new version of the app.
• May Seasonal Event – Village-Green Lazy Day
  
  • It’s with great embarrassment that Pete regretfully admits why there was no Valentine’s Day this year… Some troublemaking slingshotter hit clean through his mailbag, scattering all this year’s love letters in the snow! With Wilbur and Orville taking over, Pete is taking a little spring break sabbatical from all the stress… These breezy days are perfect for daydreaming about his longtime love, Phyllis. “Do you know what she said to me the other day? ‘What are you looking at?! Wipe that dopey look off your mug!’ Oh, my heart… Her billed lips are so beautiful when they speak such harsh words!” But while Pete relaxes, there’s still work to be done! This May, we’ll be participating in Harvey’s Colorful Picnic gardening event, the Kite Flying Fishing Tourney, and the Hide-and-Seek Scavenger Hunt to collect 30 wildflower bouquets from each for a total of 90 wildflower bouquets available from events this month. The more bouquets you gather, the more outdoorsy prizes you’ll receive through the planner including handheld foxtail and wildflowers, grassy napping spots, and the grand prize, the wildflower rest spot! We’ll need to forage deep in the woods to gather all the love letters scattered months ago… and hopefully even Pete’s treasured missives to his beloved would-be missus! (Not that she would ever agree…) May’s amazing, not-so-lazy days begin with Harvey’s Colorful Picnic a little early on April 30th GMT!

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• May Terrain – Village Green
  • May’s new terrain set ushers a civic springtime atmosphere into your campsite with a verdant park square replete with striking fountains, blue flowerbeds, weirdly cubic trees, and a rustic clocktower standing watch. What’s more, this terrain’s middle ground will be given to all players—a little awkward without the foreground to complete the water path, but you can get a little creative and hide the rift with other water features or large-scale decorations. The background includes a homey albeit bustling, old-fashioned town and a blimp roving the airways while the sky adds fresh greenish, teal, and gold hues to your vista you might not often see. Your visitors might not exactly be green with envy considering everyone’s getting this terrain, but they can still park their rears to enjoy your campsite’s outdoor amenities when this terrain set of middle ground, foreground, background, and sky becomes available April 30th GMT.

Tip screen for the village green terrain; auto-designer images using the village green terrain and items from May's main three events; event preview image for Harvey's Colorful Picnic gardening event

• May Gardening Event – Harvey’s Colorful Picnic
  • Harvey’s not sure why his beloved Harriet never responded to his thoughtful love letter a couple months ago… But he’s totally not gonna let it get him down! With the breezy, clear weather, it’s the perfect time for this free-spirited nomadic dog to have a picnic with his favorite pals… and put his aspiring photography skills to good use to document the event with a panoply of pics to post on social media. Harriet is bound to see it and know for sure that he’s not pining for her day and night! But for the picnic to work, we’ll need to plant daisy seeds to attract sandwichbees… The prospect of eating these creatures is a bit disturbing to stomach, but just think of them as lively kebabs! More importantly, sticking enough of bite-sized buzzers will earn fixings for a festive picnic including flag garlands, take-out drinks and sandwiches, and shaded picnic blankets! Completing this event in full will also yield 30 wildflower bouquets as part of May’s Village-Green Lazy Day campaign, so be sure to replant and exchange bugs with friends often! With outdoor hors-d’oeuvres and sportive knickknacks, it’s the almost-perfect respite between RV outings… Now if he could only get them to call him “Harv” like she used to… Stuff down your doggone feelings with a refreshmental health break when the groovy gardening begins April 30th GMT.

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• Rudy’s Airship Cookie
  • Maybe it’s a resemblance to a certain reindeer, but Rudy’s always taken as much pride in delivering goodies as he does in his favorite pastime of taking to the skies with inflatable aircraft… He’s not especially careful aboard these dirigibles or hot-air balloons… but if he finds himself freefalling from these feline-friendly floats (and it’s happened many times before), he always manages to land on his feet. So when he spied a love letter addressed to Harriet lost in the brush on one of his airborne outings, Rudy saw it as his civic duty to trustily tend to its safe delivery… And to make sure his noble act of inspiration inspires as many as it should, he’s taken the opportunity to hire a bountiful brigade of blimps and balloons to celebrate the letter’s airborne journey, no expenses spared! For no other particular reason, it’s a raucous, helium-fueled festival starring an airship helmed by Boomer (who has no time for such foolishness but takes his piloting task with utter seriousness), and animals have come from miles around to watch the airshow as Rudy suddenly realizes how hard it is to make out Harriet’s address from the frankly indecipherable scribbles on the envelope. And what is “Harv”? Is that even a word? With refreshments from the balloon-fest food cart, viewers watch the proceedings through their handheld opera glasses as Rudy makes his grand pronouncements over the intercom of his 5-star balloon-fest airship. “Thanks everybody for all your support in completing our big mission. We were gonna hand-deliver this letter originally, but we figure there’s a pretty good chance this ‘Harriet’ is in the crowd somewhere, so we’ve made the decision to helpfully read it out loud for her own convenience, and also to, uh, save fuel and the environment. Ahem: ‘TO MY DEAR SWEET HATTIE. YOUR PRECIOUS PINK FUR IS MORE BEAUTIFUL THAN THE FRESHEST MORNING PEONY. BUT THIS AIN’T NO PUPPY LOVE. YOU’VE TRIMMED THE UNTAMED HAIR OF MY HEART INTO A PERFECTLY COIFFED COAT THAT KEEPS IT WARM, AND NO OTHER GAL WILL ’DO! SORRY, I NEED TO WRAP THIS UP—THIS ANNOYING BIRD ON MY HEAD KEEPS TUGGING AT MY HEADBAND. FUREVER YOURS, HARV. PS: THIS LETTER IS FOR HARRIET’S EYES ONLY.’ Wow, well, that definitely wasn’t worth this big party... Uh, let’s go find some more lost mail to rescue, Boomer—mush, mush!” Launch into the catmosphere to jubilantly help out animals in need with a spy-high view of all their business when this read-nosy cookie launches May 1st GMT!

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• Airy Picnic Outfit Collection
  • You can carry your merry little derrière a little airier with this crisp attire featuring the colors of blooming spring flowers, comfortable blue skies and ponds, and even your favorite manilla folder. And even if you live in a pollution-ravaged landfill, you can still see the striking, verdant greenery of spring through the keen lenses of the green picnic sunglasses! Make sure life’s a picnic with this cookout-ready clothing collection served hot off the grill May 5th GMT.

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• Blue-Sky Wall & Floor Collection
  • This expansive wall and floor collection might come in handy if you want to transform your cabin or RV into a well-kept city park or attempt an interior design that takes place entirely midair! We’ve had a couple sky and cloud wallpapers before but none before that featured a swarm of balloons like in that disturbing number from the Brave Little Toaster Mars movie. The vintage-style illustrations of the plentiful-picnic wall will also harken back to simpler days of rustled-up breakfasts on rustic vacations at the family cabin or on the open road. Look for these vagrant and free-floating designs when they release May 10th GMT.

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• Grasshopper Goals
  
  • You have much work to do, young grasshopper. But it’ll probably be pretty easy. This misleadingly named rerun of an April 2022 goals event will see the return of Animal Crossing mainstay and Pocket Camp common insect long locust to Sunburst Isle, where you can find it hopping about the tropical grass—make sure not to step on one! They only sell for 10 Bells, so you might find them to be more of a nuisance than an asset after you finish catching enough for your standard Leaf Tickets and Rudy's airship cookie. But they’re sure to hop along when this goals event concludes after May 11th – 14th GMT.
• May Fishing Tourney - Kite Flying
  
  • For May’s fishing tourney, we’ll be gliding over to Saltwater Shores to catch an ironically grim assortment of monochrome fish from tourneys past. String enough of these sable sea fish together to unfurl prizes you can let sail into the wild blue yonder like colorful stacked kites and a birdy parachute toy—perfect for May’s spring breezes. Handheld pinwheel toys and even colorful wind socks make appearances as well, likely as loving references to the Gamecube days where wind socks could be spotted in May and players could carry pinwheels around as rare handheld decor. Completing this event in full will yield 30 wildflower bouquets as part of May’s monthlong Village-Green Lazy Day campaign, so be sure to set up your rod, reel and string every 3-hour rotation you can. You might get a few bites… or a few kites to catch a gale of a tale! Turn your attention upward and decorate your campsite skies with this colorful assortment of draft-ready aircraft… And while we don’t have any stormy or windy terrain still (tragedy of tragedies), you can still pair this with items from last June’s Drizzly Daydream Scavenger Hunt with its windblown grass and trees to complete the picture of a windswept, fun day. And if there’s any animals bothering you, tell ’em to go fly a kite when this winding race to the skies kicks off May 12th GMT, ending May 18th GMT.

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• Special Visitor Furniture – Pete's Petite Post Office
  • With collected letters fluttering back in, it’s not too late for Pete to roll up his sleeves and start sorting the retrieved mail in his simple post-and-beam treehouse… as long as Twiggy’s pet birds quit harassing him. With this special visitor furniture, you can install Pete’s rustic postbox in your cabin or at your campsite and listen to him regale you with lofty thoughts on the lost arts of mail and romance… You can even do some matchmaking by combining it with Pelly’s postal counter to see if Pete will be too busy mooning over Phyllis to notice the admiration of her sister down below… Clear up a mess of messages with mailman whose treetop cubby is as well-billed as its drama when this pillary, pelicanny post goes on sale May 15th GMT!

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• Twiggy's Chirpy Cookie
  • With the muddy trail of Curly gone cold, Detective Beardo has had to return to field the mountain of requests on his desk for his P.I. services, but one lonesome plea stood out from a Java sparrow by thname of Peck… “You’ve gotta help me, crunch. I finally achieved my dream of a solitary bird sanctuary all of my own. Then the next thing I know, I’m getting kicked out by Lyle with a whole series of lawsuits, and this birdbrain named Twiggy moves in! I don’t like the way she’s looking at me, Beardo! She keeps calling me her super-cute pet and won’t let me leave—she says it’s too dangerous for a bird like me. Is anybody home in that hollow noggin of hers, crunch? These wings of steel can beat up anybody! Holy moly, and the racket around here! She moved in with eighteen flocks of the loudest birds alive. I’m lucky if I get two winks of sleep! Peck’s Peaceful Paradise is a thing of the past—now it’s Twiggy’s Tweedledeelightful Chirpatorium, and she says she’s opening a new branch of Flora’s bird and breakfast retreat! When I tell her how hard I’ve worked these muscles to get here, she says that’s ‘just the way things are’ and the ‘fortune cookie powers that be’ have this stuff all hammered out! I’m not afraid to say it, Detective—I really need your help! I’m starting to think there’s something a little sexist here about who gets to have what fortune cookies, but I don’t wanna ruffle any feathers.” With a sparrow in harrowing straits, and never one to turn away from fowl play, Beardo and his trusty sidekick Merengue book the first flight out to Twiggy’s brand-new bird haven… only to find that Peck is nowhere to be seen! They check every nook in the bird-haven birdhouse, try to interview bird-lovers lounging on the redundantly named bird-haven birdy sofa… but with all the colorful bird-calling and caterwauling going on around them, they can scarcely hear any potential leads! They meet with Twiggy at the 5-star bird-haven tree, but it leads to more chicanery than answers… “ISN’T THIS PLACE THE TOTAL BEST? IT WAS SUCH A SNOOZEFEST BEFORE I GOT HERE, AND NOW IT’S, LIKE, A CHIRPY CHOIR CACOPHONY DELIVERED STRAIGHT IN MY EARDRUMS! WHAT’S THAT? WHERE? PECK? UH—I GUESS ON THE CHEEK, BUT ARE YOU SERIOUS? I JUST MET YOU! TALK ABOUT CHEAPERS CREEPERS! OH, YOU MEAN THAT HIGHTAILED HOTTIE WHO WAS HERE A COUPLE MONTHS AGO? I HAVE, LIKE, NO CLUE WHAT HAPPENED TO HIM, BUT I CALLED DIBS, SO IF YOU SEE HIM, HANDS OFF!” There’s no trace of Peck to be seen, but just then, that’s when Beardo and Merengue spot it—a handheld java sparrow perching on Twiggy’s forewing! This seems a dark coincidence… Did Peck make a brave avian escape, or did this burly boy-chick meet a perilous fate as a pet?! Beardo and Merengue keep watch on every bird and bird-watcher in this pet-filled paradise, but mum’s the bird among the patrons and no one’s making a peep… Just a cuckoo commotion that they can’t help consider would drown out a Java sparrow’s cry for help… Try to reach the bottom of a cheep trick of bye-bye birdie when this birdcagey cookie makes some noise May 17th GMT!​

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Tip screens for Twiggy's chirpy cookie, the Bright Bird Outfit Collection, and the Birdy Wall & Floor Collection

• Bright Bird Outfit Collection
  • May’s second clothing collection works as a companion to Twiggy’s fortune cookie. It’s bright, it’s birdiful, and it’s very LOUD with bird-emblem tunics and long cardigans in, ahem, very strong colors that will certainly make a statement flapping in your viewer’s face. We reached out to Robin for her thoughts on this collection’s bird bags… “So undignified. I can’t imagine people would be too pleased if I started wearing plastic people bouncing around my derriere, carrying my loose change, hm?” Being a crazy cat lady is so 8 months ago… Become a crazy bird lady (or a crazy bird lord!) when this collection flits in on May 18th GMT.​

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• Birdy Wall & Floor Collection
  • This set of ravin’-avian designs will set the heart aflutter of anyone who has birds on the brain… (for anyone else… they’re not bad). You can capture the visages of birds forever in the bird-photo wall or cavalierly set them free with the bird-window wall. If you enjoyed last June’s lily pond wall but feel like it was just a little too beautiful, the park-pond wall here will do you nicely. Get a little cocky with these bold patterns for your cabin or camper when this flock of refurbishments alights May 18th GMT.

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• Threadfin Trevally Goals
  
  • This oddly timed rerun of a November 2021 goals event will see the return of the threadfin trevally to Saltwater Shores in the form of tiny-size shadows (size 1 of 6). They sell for 400 Bells each at base price and are uncommon-tier when gifted to animal campers, so not a bad catch, but if your interest in this wispy fellow is dangling by a thread, or a fin, you can still nab some Leaf Tickets and an Rudy’s airship cookie for your trouble during this limited-time event from May 19th through 22nd GMT.
• May Scavenger Hunt – Hide-and-Seek
  
  • For May’s scavenger hunt, we’ll be searching the very best hiding places around the various recreation spots to spy hide-and-seek gyroidites. And watch out for their extra foliage as camouflage… even their bushes might be hiding behind bushes! Ferret out enough of these stealthy sneaks to earn prizes for a recess-ridden recreational park, crammed with nooks where animals can hide for classic games of hide and seek… some of them more effective than others. (I’m looking at you, Al.) Judging by the Happy Homeroom classes, the most likely Leaf Ticket items are the hide-and-seek slide and jungle gym, and then either the hide-and-seek lightpost, pipes, or drinking fountain—just some speculation, though. Completing this event in full will yield the final 30 wildflower bouquets to complete May’s monthlong Village-Green Lazy Day campaign, so be sure to keep the hunt on even past sundown (and check out the quarry and your campsite animals too!) to finish off the month in sneaky style! This outdoor décor makes for a calmingly mellow ode to nostalgic days from childhood (and from Animal Crossing: City Folk and New Leaf!) that will make finding your campers for your daily chats more ~~frustrating~~ I mean fun than ever! Hunt for gyroidite and animals when this oxenfree-for-all begins May 20th GMT (ending the 30th GMT)!

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• Curlos and Pals
  
  • While there isn’t technically much datamined here, this update did add an animal batch under the name of “Curlos and Pals” to the date of May 25th GMT. It seems this will be after the next update as map assets haven’t actually been added yet for this batch, but we do know that “Gwen and Pals’ Island” will be joining Curlos’s island, likely as part of this batch. With only 8 animals left— Benjamin, Biff, Curlos, Gwen, Sydney, Velma, Freckles and Mott—it seems likely this means they will be finished releasing all the animals at the end of this month, but as of now, this is unconfirmed.
• Happy Homeroom
  
  • This update included the typical 3 classes each for Harvey’s Colorful Picnic gardening event, Rudy’s airship cookie, the Kite Flying Fishing Tourney, Twiggy’s chirpy cookie, and the Hide-and-Seek Scavenger Hunt, as well as 8 classes each for new normal Courses 53 and 54.

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And that’s all of May’s merriments! Our fellow dataminer Koopavocelot has also spotted a noteworthy notice that may be coming this month but no info yet on its contents… Hopefully it’s not some sort of end-of-times apocalyptic alert with the last of the villagers likely coming out this month. Er… right? As for June, we’ll probably get the Twitter preview in only a week’s time. June is often themed around seasonal rain or weddings as they’re what the month is known for in Japan, and given that we just had a windy-themed event this month, I’d expect more of the latter matrimania for next month’s events. But who knows? We might get some of both in a dewy bridal shower! (Or maybe something completely different.) I’ll aim to have that datamine posted for you fine folks when the update drops ASAP. Until then, thanks for reading, and remember, even if a bird is super-hunkalicious, that doesn’t make it okay to keep him as a pet!
—Woodsy

The SEC rejected this rule proposal, will you support them?
Don't let this opportunity pass you by, be the legend you are destined to become.

DEADLINE DAY - FRIDAY 17TH MAY, 2024.

Not only are the markets hotting up, but so are things in the regulatory field! 🔥
And you have been a big part in making that happen!

No seriously, you.

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Oh yeah, so when we first found out about SR-OCC-2024-00 - over 2.5k of you sent the SEC your comments to oppose this rule.

That's like, this many people:

2500 people
I mean, I know it looks small here - but imagine all those same people sat in a room.
It might look a little something like this:
Woah, now that's cool.
And let's not forget all those folk sitting up there in the balcony!

But it's impressive, right?

https://i.redd.it/a2cnccm1t11d1.gif
You know it. Nothing is more impressive than people putting in the effort to bring around meaningful change. And do you know what's even more impressive?
The SEC actually listened.
And turns out - seems the SEC actually agreed with us, and equally rejected rule: SR-OCC-2024-001:
https://i.redd.it/kizqtu9ft11d1.gif
Meaning all our efforts to address the rather pressing issue that the OCC seem to be putting safeguards in place to offset the risk of clearing member default is being addressed.
But now we have a shortening window to drive home this win.

And that starts with us.

It's Friday, and I know you're keen to kick start your weekend but please - consider taking two minutes out of your day to send a comment to the SEC, and then - your weekend is yours to enjoy.
Because even heroes need to enjoy some downtime.
https://i.redd.it/ft5yj4kyv11d1.gif

But before you do, lets look at some talking points you can mention in YOUR comment:

The SR-OCC-2024-00 rule - as found here: https://www.sec.gov/files/rules/sro/occ/2024/34-99393.pdf) outlines it's objectives within it's title, which are:
TITLE: The Options Clearing Corporation; Notice of Filing of Proposed Rule Change by The Options Clearing Corporation Concerning Its Process for Adjusting Certain Parameters in Its Proprietary System for Calculating Margin Requirements During Periods When the Products It Clears and the Markets It Serves Experience High Volatility,
And a little later in the text, it specifies this:

Clearing Agency’s Statement of the Terms of Substance of the Proposed Rules: This proposed rule change would codify OCC’s process for adjusting certain parameters in its proprietary system for calculating margin requirements during periods when the products OCC clears and the markets it serves experience high volatility.

BUT

When it comes down to the nitty gritty of how they actually intend to do this, all 205 pages of supporting evidence in SR-OCC-2024-001 are [REDACTED]
https://i.redd.it/br89hpszw11d1.gif
The supporting evidence for this rule includes various exhibits presented by the OCC, as outlined in the table of contents to justify their rule proposal.
You can find these here.
Yet - EVERY exhibit, and pages 58 - 263 are all REDACTED.
https://preview.redd.it/y7k8cca5w11d1.jpg?width=790&format=pjpg&auto=webp&s=20cd29330c8108b0d8484268c031775ef27291bb

No seriously, like - check this out:

Where's all the information?
How is this even allowed?

🤷‍♀️ 🤷‍♂️❔Wanna know what this means?

This means that the OCC are proposing a rule in which will allow them to adjust the means in which they calculate margin thresholds - without publicly declaring ANY of the calculations.
I mean, how can we support such an important rule when all the information has been REDACTED.
So ask yourself:
Given that the rule proposal is to permit OCC the authority to modify margin requirements for Clearing Members, based on market conditions, by implementing high volatility control settings under its margin methodology - why we are not actually provided with specific details on how these parameters will be calculated?

Where is the transparency?

https://i.redd.it/zokv1tfoq11d1.gif
If you think this is as messed up as, well, most people do. Why not submit your comment to the SEC.
And here's how you can do it:
https://preview.redd.it/jldkknz1z11d1.png?width=2692&format=png&auto=webp&s=dbb4a8336400f1f298ac4b2ac28a71c5fd2bb028

OPEN TO INTERNATIONAL AUDIENCES - ALL APES ASSEMBLE

🌏🦍🌏🦍🌏🦍🌏🦍🌏

So first, with where we're sending our letters:

✅ 📢 🌏 How to Comment:

📱🖥️ ✉️ Email: [rule-comments@sec.gov](mailto:rule-comments@sec.gov)

• Include the file number: SR-OCC-2024-001 34-100009 - in the subject line of your email to the SEC.
• This is open to audiences worldwide.
• Commission's Internet Comment Form: Use the form available at SEC's rule comment page.

🤫 🫣 Valuing Your Privacy

Remember:
Avoid including personal identifiable information in your submissions unless you want it to be made publicly available.

• The SEC may redact or withhold content that is obscene.

✉️ 🔍 Don't want to use your personal email?

Why not sign up for https://proton.me/mail
From their website:

Proton Mail is an encrypted email service based in Switzerland that protects your privacy and data from trackers and scanners. You can create a free account, switch from any email provider, and enjoy features like password protection, aliases, and scheduling.

🖥️ 💡 Work Smarter, not Harder - with ChatGPT

AI Language Model designed to help you.

https://preview.redd.it/ep24r8v9321d1.jpg?width=1906&format=pjpg&auto=webp&s=31865ca0308cfd49ae94334178cc0ce54b4ed1b0
Consider inputting these writing guides into ChatGPT to help you compose your own comment.
Here's a prompt to help you get started:

Draft a formal letter expressing support for the SEC's decision to reject the OCC's proposed rule change. Emphasise the importance of transparency, risk mitigation, and investor protection in maintaining a fair financial market. Specifically, address concerns about the lack of transparency in the OCC's proposal, potential systemic risks from margin requirement adjustments during market volatility, and the conflict of interest in the FRM Officer's role. Maintain a respectful and professional tone, providing detailed reasons and supporting evidence for your support of the SEC's decision. Use the example letter as a reference for structuring arguments and aligning with the SEC's grounds for disapproval.

Work Smarter, not Harder.
ChatGPT is user friendly, check out what it looks like here: https://chatgpt.com
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Please note:
🚨 ChatGPT remains an unreliable source for verified information and facts and will always require people to assess/review and cross-reference the generated responses.
You are the fact checker, not the AI.

And now the big question on everyone's mind, what do you write?

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Did you know it really is very easy to submit your letter to the SEC?
Instead of an in-depth letter template, did you know you can just as easily send smaller comments to the SEC and it be just as effective?
- Kevin Malone, Chilli legend.
You could say something like:

“Dear SEC,
I agree with the rejection of SR-OCC-2024-001 - and support the reasons for the dismissal as outlined on pages 4-5 of the Federal Register:
- Failure to promote prompt and accurate clearance and settlement of securities transactions and safeguard securities and funds.
- Lack of clear and direct lines of responsibility in governance arrangements.
- Inadequate policies and procedures to cover credit exposures to participants and insufficient margin calculation to cover potential future exposure.
Thank you for upholding the integrity of our financial markets,
Sincerely,
A dedicated household investor."

https://i.redd.it/o1vpxolnz11d1.gif

Or hell, taking inspiration from this INCREDIBLE letter here from WhatCanIMakeToday:

🚀🏆 Full Letter Template:

Simians Smash SEC Rule Proposal To Reduce Margin Requirements To Prevent A Cascade of Clearing Member Failures! [COMMENT TEMPLATE INCLUDED]

📱 ☎️ Pastebin for mobile users: https://pastebin.com/dpXQ0gim
You could produce something like this:
_____________________________________
Subject: Concerns Regarding Proposed Rule Change SR-OCC-2024-001
Dear [rule-comments@sec.gov](mailto:rule-comments@sec.gov),
I am writing to express my concerns about SR-OCC-2024-001, titled “Proposed Rule Change by The Options Clearing Corporation Concerning Its Process for Adjusting Certain Parameters in Its Proprietary System for Calculating Margin Requirements During Periods When the Products It Clears and the Markets It Serves Experience High Volatility.”
I appreciate the opportunity to provide input on this matter. However, I cannot support the approval of this proposal due to several reasons:

1. Lack of Transparency: The proposal contains significant redactions, preventing meaningful public review and comment.
2. Systemic Risk: The OCC's proposal to reduce margin requirements for Clearing Members poses increased risk to the stability of our financial system. If clearing members cannot meet their financial obligations - they must close their bets.
3. Conflict of Interest: The role of the Financial Risk Management Officer has an inherent conflict of interest to oversee both the well-being of Clearing Members as well as the agency itself.
4. Moral Hazard: The proposal shifts the costs of Clearing Member defaults to the non-bank liquidity facility, creating a moral hazard and perpetuating an unfair marketplace.
5. Inadequate Risk Management: The proposal fails to properly manage liquidity risk and increases systemic risk, as evidenced by the OCC's reliance on reducing margin requirements.

With note to the rejection reasons as put forward by the SEC in the dismissal of this rule:

• Failure to promote prompt and accurate clearance and settlement of securities transactions and safeguard securities and funds.
• Lack of clear and direct lines of responsibility in governance arrangements.
• Inadequate policies and procedures to cover credit exposures to participants and insufficient margin calculation to cover potential future exposure.

In conclusion, I support the SEC in their rejection of this proposed rule change - to ensure the protection of all investors and the integrity of our financial markets.
Thank you for considering my concerns and for your continued help to protect our markets,
Sincerely,
Household investor.
_____________________________________

Saving the world has never felt so good.

You know it, Big Bird.

And finally, for a brand new draft - check out this letter template here:

To: [rule-comments@sec.gov](mailto:rule-comments@sec.gov)

Subject: Comments on SR-OCC-2024-001 34-100009

Dear Members of the Securities and Exchange Commission,
I am writing to express my concerns regarding Rule SR-OCC-2024-001, which proposes adjustments to margin thresholds, specifically during periods of high volatility.
This proposed adjustment is concerning because it essentially shifts the goalposts when clearing members are unable to meet their financial obligations. The necessity for margin calls in the first place is to prevent clearing members from overextending themselves on their bets, ensuring that they have adequate collateral to cover potential losses.
By adjusting margin thresholds during periods of high volatility, there is a risk that clearing members may not be required to maintain sufficient collateral, increasing the likelihood of default and destabilising the financial system.
This proposed adjustment raises critical questions about the integrity of the options market and the role of the Options Clearing Corporation (OCC) in managing risk.
The basis of this letter is equally to express support and appreciation to the SEC in their rejection of this rule, with supporting encouragement for this decision and future outcome.
The OCC, as the central counterparty for options and futures contracts traded on U.S. exchanges, plays a crucial role in ensuring the integrity of the options market. Its primary responsibility is to guarantee the fulfillment of contracts and manage the risk associated with trading these financial instruments.
Margin calls serve a crucial purpose in the financial system by acting as a safeguard against excessive risk-taking. They ensure that clearing members have adequate collateral to cover potential losses, thereby preventing them from overextending themselves on their bets. However, by allowing for adjustments to margin thresholds during periods of high volatility, there is a risk of undermining this fundamental principle.
In the context of financial jargon, this proposal effectively allows clearing members to "kick the can down the road" when it comes to meeting their financial obligations. It's akin to "moving the goalposts" in a high-stakes game, where the rules are changed to accommodate those struggling to keep up.
Imagine a scenario where a hedge fund has taken substantial positions on a volatile stock. As the stock price experiences wild fluctuations, the hedge fund might find itself increasingly unable to meet its margin requirements. Under Rule SR-OCC-2024-001, the margin thresholds could be adjusted, effectively lowering the bar for maintaining adequate collateral. This not only incentivises risky behavior but also exacerbates systemic risk, as it increases the likelihood of default later down the line.
Furthermore, such adjustments lack transparency and introduce an element of arbitrariness into the margin calculation process. Without clear guidelines and objective criteria for determining margin thresholds, there is a risk of favoritism or manipulation, further eroding market integrity.
The use of "idiosyncratic volatility control settings" to adjust these margin thresholds during high volatility introduces a risk because it lacks transparency in the calculation and implementation process. Without clear guidelines on how these settings are determined, there is a potential for arbitrary or ad-hoc adjustments, allowing the Options Clearing Corporation (OCC) to alter the criteria whenever Clearing Members require assistance. This flexibility raises concerns about fairness, as it may create an environment where the rules can be changed based on individual circumstances, potentially favouring certain market participants or introducing an element of unpredictability.
The proposal's supporting evidence, particularly regarding said calculation of margin thresholds, is troublingly redacted. This lack of disclosure undermines the principles of transparency and accountability that are crucial in regulatory frameworks. As stakeholders, we require detailed information on how these adjustments will be made to ensure fair and equitable treatment of all market participants.
This lack of transparency undermines the integrity of financial markets by eroding trust among participants. Financial markets thrive on clear and consistent rules that are applied uniformly to ensure a level playing field. When rules can be adjusted opaquely, it creates uncertainty and diminishes confidence in the regulatory framework. Maintaining trust is essential for the effective functioning of financial markets, and transparency in rule-making and enforcement is a key factor in upholding the integrity of the overall financial system.
Moreover, the proposal grants unchecked authority to the Financial Risk Management (FRM) Officer to make unilateral decisions during periods of high market stress. This authority, while ostensibly intended to protect the interests of the OCC, raises questions about potential conflicts of interest. The FRM Officer is entrusted with safeguarding both the OCC's interests and those of at-risk Clearing Members, creating a potential conflict that needs addressing and changing.
In conclusion, Rule SR-OCC-2024-001 poses a significant threat to the stability and integrity of the financial system. It undermines the fundamental purpose of margin calls and introduces unnecessary risks that could have dire consequences for market participants.
In light of these concerns, I urge the Securities and Exchange Commission to carefully reconsider this proposal and prioritise the protection of investors and the stability of the financial markets by rejecting Proposed Rule SR-OCC-2024-001. Clear guidelines, transparency in calculations, and checks and balances on discretionary authority are essential for maintaining the integrity and stability of the financial markets.
Thank you for your attention to this matter. I trust that the SEC will carefully consider these concerns and take appropriate actions to address the potential risks associated with this rule.
Sincerely,
[APE]
📱 ☎️ Pastebin for mobile users: https://pastebin.com/RGZBBNjG

You can copy and paste the letter here, making it even easier to submit to the SEC via mobile.

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Ending this post here, because it's already long enough - but not long enough for you to ignore. Go back up there, check out some of the resources ready for you to copy, paste, edit and send - and if you wanna check out more about this rule, check out these posts:

• REGULATORY KILL SHOT 🎯- Part one: here.
• REGULATORY KILL SHOT 🎯- Part two: here.

TL;DR

• DEADLINE TODAY
• SUBMIT YOUR COMMENT TO: [rule-comments@sec.gov](mailto:rule-comments@sec.gov)
• CHANGE THE WORLD

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