If you have a million dollars with them, accounts are free. The $250,000 or $75,000 client pays big account fees. Sounds like the old saw rob the poor give to the rich. MWD thinks the smaller accounts are serfs living outside the castle. Why don't MWD just tell the smaller accounts to leave if they don't want them. No, MWD wants thier fees to pay for the free bigger accounts. IMHO.