Payments always came instantly, never had delays. Now I am glad for the exchange rate WMZ to WMR. <br/><br/>As for the losses - it is the exchange, no one is insured. You feel and understand the market - the chance to earn more in a short time, you feel worse - you learn from your mistakes. As in any field where there is money - you can not come and earn millions in a hurry, doing nothing and studying nothing, it's only in movies and wet dreams.