I used to have an IB account years ago, so I know the whole customer service rap on them. However, I emailed them twice with a coupla basic questions. The first response led to dead link, the second, was completely ignored... who'ed a thunkit? Anyway, here's the questions: "Hello, I'm considering opening a friends and family account and will be the trader of the account. I've read the account management users guide, but am unclear in a few areas: 1. I assume that even though I can allocate trades and such for the other parties, I'M NOT ALLOWED TO TOUCH THEIR MONEY, I'm only able to collect fees. Is this correct? In other words, I can't arbitrarily close the account, and run off with everyone's money, correct? 2. Am I allowed to "lock up" the initial deposits for any length of time, say 1 year, before they can withdraw it OR at least be able to impose some kind of early withdrawal penalty?" So if anyone can answer these for me, it would be appreciated. Also maybe this could be a discussion repository for anyone with F&F accounts.