Good morning Ron, re: Why not have the SEC mandate that all online brokers force all clients to pass a test concerning basic skills of understanding a 10K? My guess is that this (unfortunately) would result in very few clients for the online brokers. Hope you have a good day! greg. Intel board - <a href='board.asp?board_id=369'>#board-369</a> Grateful Dead board - <a href='board.asp?board_id=1329'>#board-1329</a>