Patch not sure about this, but some time ago i had a daily tl account and went to draw some money out and my balance was showing nil funds after a long debate and getting no where i was informed by a friend that they play the markets on a daily basis with your money in a daily account, as i say this was about 9 years ago and of course i closed the account down and all money was transfered to my monthly account, i belive if my memory is correct it was an Elma account with Granti, hope this has shed some light.