Thanks for the compliments. If you haven't already, you may want to download the latest basic version, TClark1 NDO- Hard Stops, from here: <A HREF="http://www.4shared.com/dir/240005/b6036203/IHUBCS_Share.html" target="_blank">http://www.4shared.com/dir/240005/b6036203/IHUBCS_Share.html</A> Password ihubcs I am considering putting a portion of my non 401k portfolio in it with 5% hard stops, using the QQQQ, but have not decided what percentage yet. I am thinking along the lines of 20% of my funds in a 1X system to begin with, and adding to it every year if it keeps performing well.