It's an old subject here:
http://www.juventuz.com/forum/showthread.php?t=14775
http://www.juventuz.com/forum/showthread.php?t=3005
http://www.juventuz.com/forum/showthread.php?t=170
FWIW, I love Hattrick. I'm playing a friendly today, but today marks the end of all seasons. So starting next...