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To be honest my wife and I are mulling it over, after all the thousands of dollars this has cost us so far his “buy in” seems reasonable . Since this appears to be our only real alternative at this point we will probably opt in. The only way to find out what sufficient is will be to contact him and see how many others do the same. Also his letter indicates that he will not be collecting the money until they determine that they have enough people to persue it. Tom