Thanks for the info. I may just call Schwab about that.
But I've been trading for 3 years and was put on a 90-day probation at one point - lesson learned.
For instance: If I had sold some shares this morning when FNMA hit $2.43 that profit would have been "locked in" and I couldn't turn it around again for 3 days. That's my understanding of the rules in a retirement account.