They say 90% of traders don't make a dime but they also lose money, i guess it's the same for banks. Bear Stearns, Lehman, Northern Rock, Merrill Lynch, eTrade just don't have what it takes to handle the market. Those beginners simply don't have the discipline We, at ET, know how to avoid those common mistakes, don't sell naked options, cut your losses before they get worse, etc... We are the professionals