It's ML that's handling her accounts. I've asked to see the account statements. He says the guys doing it are "really smart" but WTHDHK! ...My buddy -- he doesn't understand anything on the monthly statements... he doesn't really know what an option is... I need to buy him some margaritas I guess and get a hand on the statements and have a look. There are people running 30 minute infomercials (ads) in Dallas area on local television saying "come to my seminar -- learn about covered calls...." these things always make one wonder........