Thanx for the explanation T10 and Scov... every day I learn more and more. Trouble is...while I learn..my portfolio goes down! I will continue to hold my meagre lot (no where near 400000) and try and average down when I think they have reached bottom. Currently hold at 25p. I did sell a few for a loss about 2 months ago at 15p and put it into MONI at 33.5p.(Now 40p ish) so at least sumats worked. Thanx again for the info and good luck. Now then Roadwalker, sorry I missed you but I wish a prosperous new year to you and your good lady too... Go Wiggy GO!?