Don, the "holding money" I think most people are concerned with is this one about the Bright policy of withholding 25% of traders' profits for a year, from a previous thread: 11-07-01 09:05 AM OK, here we go This is another misunderstanding. 22 traders out of 500 did get a 75% split to them last year....because we carried them when they went below the minimum account balance, so we were essentially backing them....and they were thankful to us for keeping them in business. We carried many traders with zero or negative balances for long periods of time (try that anywhere else...we actually try to work with our people who may be having a rough time). Everyone who maintains their account balance above $15,000 (or averages $25,000) gets all their money, period! If they don't make money, it makes no difference anyway. Other firms that "back" traders keep upwards of 50% of all traders profits! We are even going to modify our policies regarding the withholding and interest allocations. Everyone will be pleasantly surprised....Stay Tuned!