avoiding automatic liquidation by IB

IBRex&me

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Dear fellow traders,
l was informed by IB's Tom today that to avoid liquidation:
1. l would only have to ensure net liq value is greater than 90% of current maintenance margin.
2. are there not other things to look out for eg 'current excess liquidity' having to be greater than 0 by 345pm ET(to avoid potential automatic liquidation), or do they just come together, so if current excess liquidity is greater than zero, then net liq value is greater than 90% of current maintenance margin?
3.does IB not give margin calls?
4. how does IB lite compare to their pro for trading US options?
thanks in advance
 
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