I tried to get you to do options trading, but you are obsessed with some cockemeny scheme to get escrow recovery... ItsMyOption has been making tons of money doing options, now, MyPennies is doing options...makes no difference if the market goes up or down, one just has to be on the right side of the options trade... I gave you the formula... market goes down... Sell puts..... market goes up... sell covered calls...simple as that.... Lodas