DO NOT CARRY IT WITH THE HAMMER DOWN ON THE FIRING PIN ON A LOADED ROUND. This is an accident waiting to happen as any hit on the hammer may fire the gun. Does yours have the cross bolt under the hammer face? if so I strongly reccommend engaging the safety when carrying it loaded. If not the half cock is better than not. It keeps the firing pin off the round but going off half cocked is an expression we have all heard. The half cock notch can fail in a gun dropped ofr misused.