Isle, Regarding the complaints thing you might consider reading these posts once again: http://investorshub.advfn.com/boards/read_msg.aspx?message_id=74390168 ==> This will give you some insight on customer behaviour... http://investorshub.advfn.com/boards/read_msg.aspx?message_id=74390087 ==> This will give you some insight on how IFSL is and has been responding on complaints... Grtz, Ash