flat stats I have to beg to difer about HRB - it's not a "tipster" type service - it's all about developing systems from the vast database they have. If you only look at the top 3 in the ratings you will end up a very poor man. But as they say it's horses for courses and I know what stable I want to be in. By the way for so much more info HRB (I have no connection with them other than a subscriber) is half the monthly price.