103548 is my charter number I am up 37% YTD on a 7 figure non margin portfolio end of October while trading from Maui on a 6 hour time difference. I work about 3 hours a week. You don't have to be a genius to beat the market just not an idiot. The problem is not the market it is the managers but think about it if you knew how to beat the market why would you go to work???