I'm 100% with you. Bare bare minimum. I know this would barely cover MY financial opportunity costs; and then add a cost of the added anxiety of perhaps dealing with banks, spouses, economy and the overall uncertainty over at least the last 4-6 months. I'm sure I'm not the only one who has lost money (on paper or real) for having to sell early or because of penalties, etc. It would certainly make me think twice about investing in Jrs.