On the issue of the limit on trades...if I understand correctly, the limit to two trades per month will be for EVERYONE. The articles that I've seen on this seem to imply that it's just this mystical 3000 people who are affected. They imply that in their writing, while also barely mentioning, again, if I'm understanding correctly, that these limits apply to all 4 million of us. My point is, the implication is that these 3000 people are the cause of the change in policy, but I don't believe that's the case. The wording of the articles sends the wrong message, an untrue message, which is not at all uncommon in news reporting. People are writing about something they don't have substantial knowledge of, and that makes it easy to miss the whole point. This change is due to the fact that a very high percentage of people are moving money on a very regular basis. The issue of the 3000 people was probably used as an example by TSP officials in talking to the media, but they left the untrue perception that this was the primary cause. I can't imagine it's the case that TSP would make such a substantial change over the actions of 3000 in a system of 4 million people. There's no way they could win that argument. Again, what I'm saying is that this change is caused by people LIKE US, and multiple thousands of others, if not even a full million people, or whatever percentage of people it is that makes fairly regular changes, large or small. If I'm missing something, let me know.