Dell, I agree with you, bonuses are of no concern to me, but as I said, to many it is, maybe not you or me , but to others, they depend on them if they dont have the funds that you, or I , or some others do. And Halifax, I know, Im not saying I agree with Danny's viewpoint, but it does make sense. If you owe $2500 worth of action, what difference does it make if I surpass that all in one week , or one month. I know they clearly state that the account must be active for the 30 days, and thats why 5dimes wins this case.......but maybe it should be changed.