I am a proud customer of HLIB. Not only they hand hold me on how to use their system, they engage me constantly on the market. After using Kenanga, CIMB and also HLIB, I must say HLIB win hands down from Customer Service perspective. On system wise, how to compare IF the entire industry only using either N2N or Excel Force. Each have their own pros and cons. So, its down to customer service for me.