The previous settings were less involved ,require less trades and had a better last 10 year return at the reduced risk level. <A HREF="http://www.investorshub.com/boards/read_msg.asp?message_id=10360249" target="_blank">http://www.investorshub.com/boards/read_msg.asp?message_id=10360249</A> Either way minimal risk with 100% average annual returns.Not bad. Regards Marc