The 63 and 65 is the equivalent of the 66. In other words, if you have the 63 and 65, you don't need to take the 66. The 66 was launched to consolidate those two exams into one. Why would Merrill take you if Morgan laid you off. I will tell you that an FA at Merrill is better than an FA at Morgan. The FA's at Morgan are still considered the "Dean Witter" guys and they don't pull in the assets that Merrill can. I would look at UBS, who bought Paine Webber some years back for US retail presence. But truly, Merrill has the best platforms for their brokers. I just know Merrill is more finicky than Morgan, so if they let you go your chances at Merrill are slim. By the way, I worked in various capacities for Morgan and Merrill, so I am familiar with their structures. I know lots of guys at Smith Barney and UBS. They are all happy, and the Smith Barney guys claim a lot of freedom. I don't know if that's good or bad. check out www.efinancialcareers.com. That's the best place to go for real trading jobs, in my opinion. SAC Capital is even advertising there. Don't apply to that one though, because I did. Don't hurt my chances!!!