Oh and me own portfolio going through the credit crunch in 3 years trading done a 43% return trading 34 ssf year 1, year 2 29 mix of cfd and ssf and year 3 13 cfd, time is all important in this game and 40% year on year is tough OKAY 2009 was an easy 40% but 2008 and 2010 not so easy so far 2010 has produced 20% and 2008 was a big loss with the crunch ( and me had no clue what I was doing was first year and what a time to start trading I can sure pick them 2008 I paid for University degree twice ) Think Simon needs to Give the servivors of the credit crunch a doctorate in trading we sure paid for the degree in fees and losses well some of us .One thing about trading you pay the fees whether you win or loose.