Hey Johnwith30years,My brokerage gives me the rate of return that I got on my accounts on a quarterly basis and the figures are in for the third quarter. My margin account was up 13% in the first quarter, 8% in the second quarter, and 21% in the third quarter so my cumulative gain for the year so far is 42% which is about what I recall you said you were doing this year. Just thought I'd let you and everybody else know I get no respect around here.