I have to confess I copied it from Investopedia but as I was a floor clerk on the NYSE for Schwab until UBSS bought out its capital markets division a few years ago I should know what it was as I used it every day. Ft lauderdale is sooooo much better this time of year than Bayonne, NJ or NYC. Have a great night MoMo.--OT--I am hoping that I can eventually peel some profits from here at the .05 or higher level and put them in NVGM. Do you think it will stay under .05 for a few more months? Thanks.