I'm new to futures trading and I'm interested in joining MB Trading. I went to the NFA.org web site and learned that MB Trading is an Independent Introducing Broker - they are not guaranteed BUT they are an IIB for Penson financial and on the the MB web site is this: "Customer accounts carried by Penson Financial Services, a division of Service Asset Management Company, are covered by the SIPC up to a maximum of $500,000 including $100,000 maximum claim on cash. Explanatory brochure available upon request or at www.sipc.org. Additionally, Penson Financial has supplemental protection of $24,500,000, purchased through The National Union Fire Insurance Company of Pittsburgh, PA (a member company of American International Group). SIPC and supplemental coverage does not protect against market loss." Is this safe? How does this work if MB or Penson should fail?