I started using Quant Savvy 4 months ago with one contract, and have seen modest gains over that time frame and look forward to seeing what the next few months will bring. Michael Singer has been gracious to waive the fee when the account is down to help build the account. However, when calculating the fee for a small account such as mine with only one contract, assuming it is paid as priced, I would be in the negative every month so far which makes it impossible to grow the account. So, if I would suggest any change, it would be to rewrite the fee structure to better match the size of the account (lower fee for smaller account, then scale up as actual profits rise). Overall, however, good experience.