I have been working with UT for three years. The positives are fractional lots, good trading conditions, the ability to invest in structured products, IPOs, individual securities through the web. On the negative side, Aurora is not very stable. A year ago I started to participate in IPO - 100% profit for the year, although the allocation is small. There are very few unprofitable IPOs, I participated in all of them, without choosing, because UT is good enough to choose them themselves and does not offer doubtful ones.