I've been out of the market since 2002, my last broker was "My Discount Broker, if anybody can remember them (kind of like 8 Track Tapes). Any way, I've just started a new Cash Account with Scottrade and I'm dealing with a "3 Day Settlement Period" under the guise of "Regulation T". Are all of the brokers pulling this stunt or is there one out there you can recommend? I'm Not a "Pattern Day Trader" and I don't need a margin account. Thanx, Doug PS; I don't have $25K either.