All that kind of stuff. They say they have to make a living. For themselves and whoever they work or worked for. TD has a lot of those types but they are every where. Part of the experience or investment Share Trading business, like it or NOT. Best to learn enough to live with it or avoid it. Most people avoid it and never invest directly in Stocks. Thus the potential cash pool is really rather shallow in those terms. We are but a few among many sharks of all sizes. Having your own personal plan with specific goals in mind (careful to build in some proper flexibility) and enough where with all to see/make it work is essential if you do not count on luck alone. Old Joe PS: I must seek out that fresh air now.