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Oh, I thought you did your research as a result of my posting this. What you are saying is that you did a lot of research, and the fruits of that are that you determined ETrade to be the best?Ah no. I had done the research anyway. ETrade just seemed to be low cost and flexible with little restrictions. I don't remember all the details. Regarding loans, it's not a big deal but it is an advantage over Vanguard, for example. Why go with another company where you can't get a loan? Never know when you might need the money for a house or hardship or whatever.
Also, I have seen "loans" as being a decision point for a lot of people, but I don't get what the big deal is? In case of calamity?
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(Also, long time- no see!) :)