John , i rer-ead your reply and it makes me think that when I set up my margin account there may have been a release for them to lend shares, that i didn't see, unless I checked some box that would prevent them from lending shares. Iwill research this over the weekend. In addition my original reply to Otone may not have been clear. I was saying that if you have a margin account it may affect trades clearing immediately and not having to wait like in a cash account. It had nothing to do with buying on margin. I don't trade on margin. Margin also can be used more like an overdraft on a checking account. It's there if you NEED it. Have a great weekend.