"How is my risk .925%, how am I not losing 1.3% per line?"
The answer is simple, "other peoples money".
Once it is in your account, it is YOUR MONEY!
"The perfect is the enemy of the good — educate yourself so that you can make good decisions and don’t worry if somehow you don’t pick the top choice."
http://www.getrichslowly.org/blog/2007/ ... rect-them/