itrade...I do not question JF's integrity, or intentions. I merely remain unimpressed with results so far. It is not all their fault, but the fact is, multi-year holders of this stock have paid a huge price in portfolio depreciation just for having faith in this business model. When investors who have only been here a few months start telling me about the future, I feel I have a right to tell them how it has been, and might be again. Average down? Oh yeah. Great idea...not so far. With this it is either flip or die IMO