Thanks t10,I am in lt & the price I got in at, the "proved up" cu alone will shield me from any loss unless a complete catastrophe happens,I am not a day trader.Must say I do like the type of trading I do which entails absolutely no work at all & no stress ie investing.Though learning a lot from hc, so in ie 12 mths I should have learnt a lot of the do's & dont's of trading ,regards