Herb, to go just a bit deeper in looking at some of the brokerage firms, here are a few links to complaints filed against various brokers for TDAmeritrade <A HREF="http://brokercheck.finra.org/Support/ReportViewer.aspx?FirmCRD=7870" target="_blank">http://brokercheck.finra.org/Support/ReportViewer.aspx?FirmCRD=7870</A> for E*trade <A HREF="http://brokercheck.finra.org/Search/SearchResults.aspx" target="_blank">http://brokercheck.finra.org/Search/SearchResults.aspx</A> for scottrade <A HREF="http://brokercheck.finra.org/Support/ReportViewer.aspx?FirmCRD=8206" target="_blank">http://brokercheck.finra.org/Support/ReportViewer.aspx?FirmCRD=8206</A>