I am about to join a firm and have been presented with two opportunities. The first is with JC which requires 5k deposit which is locked for a term of 1 year and they charge $3.00/1000 trading on Sterling and have a 100% payout and gives you an initial BP of 200k The Second only requires a 2k deposit(minimum) and starts you out with 100k in buying power which can be increased, no hold on your deposit and charges you $.20/1000 but only pay's out 65% on amounts less than 10k and 70% on amounts more than 10k. Mathematically, the 1st makes sense but has your 5k tied up for a year. I am not a senior trader but definitely not a beginner... Does anyone have any wise wisdom for me to follow? Thanks!