Hello Matt Thanks for that reply, you wouldn't be by any chance the Matt behind the MattMod or is that just a coincinence? I have noticed that it always makes you buy slightly later and at better prices and thus preserving cash that when it is switched off. I have done some Excel spreasheets where I have used different levels of initial cash reserve such as 40% 30% 25% and 20% and then comparing the performance to the MattMod equivalent and mostly they give a better return either in absolute percentage or in the fact that you end up with a greater number of shares and hence greater leverage to a recovery. It would be great if Mark or Don could post or send me their results, many hands make light work.