Hi -- My article is neither negative, disparaging, nor does it discuss any given firm. That you have found success is great. My article does discuss a general comment and it seeks to analyze a visible pattern. That's why they discuss such things in business schools and elsewhere, I see no reason to preclude such discussions here. Do you or do you not agree with the article? If you disagree, tell us why in terms of the general case -- as I have done. Explain why, in the general case, there are more than 700,000 licensed brokers and more than 1 million salespeople -- most of whom seek market-level fees. All the best. Peter All the best. Peter