I agreed with his point about the RST. I believe my money would be going toward the RST buying the shares and owning them with me getting zilch. And if I wanted out to sell my shares say (which I wouldn't do BTW) all I would get back would be my initial £125. No membership fee's back, no profit on the shares, just the money I put in. That looked dodgy to me. But I will never slate any bears.